Employer Benefits

• Recruit & retain employees – offer a voluntary, no-cost benefit to enhance existing benefit packages
• Promote free financial education – plan seminars and Lunch 'n Learns that are designed to increase financial independence
• Provide a portable benefit option – it goes wherever they go
• Improve employee financial health - employees can increase their discretionary income by taking advantage of our lower rates and fees
• Deliver free and agile communication strategies – newsletters, blogs, brochures, and posters
• Create a positive impact on bottom line and employee satisfaction – employees are less stressed about finances and are more productive and engaged 
• Increase direct deposit utilization – reduce payroll costs and risk of stolen or lost paychecks

Employee Benefits

• Bank with a Not-For-Profit – we have shareholders (members) instead of stockholders allowing for better service and rate
• Earn better savings rates – we offer better interest rates than banks on CDs and savings accounts; in the first quarter of 2021, the national average rate for a 5-year CD is 0.76 for credit unions, while the national average rate for banks is only 0.63.*
• Pay lower fees – rather than paying shareholders, we can reinvest our earnings back to our members, decreasing the need to charge fees, such as high overdraft penalties
• Get Free Checking – plus no minimum balances or service charges
• Introduce your child to Youth Banking – our youth bank accounts are designed to teach financial responsibility and manage their money
• Apply for competitive credit cards – from smart credit to cash back, we've got a low-rate card that fits your lifestyle and situation.
• Access over 30,000 Free ATM’s nationwide – 
• Build your Financial Wellness – you'll have access to our extensive amount of financial education tools and resources
• Receive personalized service – members of credit unions enjoy the benefits of the organization’s strong focus on personalized customer service and local loan decision-making
• Be part of a Community Investment – we partner with local organizations to keep our earnings circulating within our communities; our goal is to improve the lives of our members and add value to the community in which they live
• Enjoy an alternative to commercial banks – on average, credit unions offer better rates on loans and savings than other financial institutions

*https://www.ncua.gov/analysis/cuso-economic-data/credit-union-bank-rates/credit-union-and-bank-rates-2021-q1