When you step through the door, you know you’ll always be welcomed with familiar faces, warm smiles, and friendly greetings. There are no aloof tellers here—just our friendly and helpful service representatives who treat you like family. No matter your age or stage, our member service representatives are happy to guide you through any monetary challenge while assisting you in reaching your financial goals. 

As a small community, our service means we’re personally invested in your happiness and only want to see your success. To that end, we’ll grant you a loan quicker than most big banks, usually with a much better interest rate. We also offer free budget counseling to help you with any phase of your life and financial journey.

a sticky note with the words non profit

2. Increased value for your money 

As a not-for-profit cooperative, your credit union has modest overhead and marketing expenses. Box Elder Credit Union is proud to pass these savings on to you in the form of low or no account fees, better loan terms and higher dividend payments on your Share Certificates, Savings Accounts and more. 

According to a report by the Credit Union National Association (CUNA) that studied credit unions in New York from March of 2017 through March of 2018, credit unions provided average financial benefits equivalent to $85 per member and $178 per household. 

3. A voice in how the credit union operates 

As a full-fledged member, you have a voice in how your credit union runs. You are invited to cast your ballot in our Annual Member Meeting and Elections in which we vote on a volunteer board of directors. The board is then charged with oversight of the credit union and forming all official decisions regarding the way the credit union operates. 

cupped hands with a word jumble in brown, orange and white, community, give back and share

4. A chance to give back to the community 

Here at Box Elder Credit Union, we’re strong believers in giving back to our community. We support many community initiatives and organizations and we are committed to making decisions that benefit the entire community. We usually do not toot our own horn when it comes to just how much we give to the community but this year is a little different. This year is our 65h anniversary, and we are spreading kindness, you can see what we have been up to here: 65ActsofKindness

When you choose Box Elder Credit Union, you’re choosing to give back to the community, too. 

As a member, you are entitled to enjoy all of these benefits and so much more. Call, click, or stop by one of our locations, today to learn how to make your membership work for you in the best way possible. 

Not a Member yet? Click here to apply Online today!

 SOURCES:

https://www.creditkarma.com/advice/i/difference-between-credit-union-and-bank/%3Famp

https://www.thestreet.com/amp/personal-finance/credit-unions-vs-banks-14626262

https://www.nerdwallet.com/blog/banking/credit-unions-vs-banks/