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The Credit Union Difference

Everyone at some point will need the services of a financial institution. The question becomes, what type of financial institution will best serve their needs? Unlike banks, Credit Unions do not exist to maximize the wealth of their shareholders. They exist to improve the financial well being of each and every individual member-owner.

Membership is a Privilege

As a member of a Credit Union you are not just a customer; you are an owner – an equal owner. All Credit Union members who maintain the required minimum balance of $5.00 in their regular savings accounts own an equivalent interest in their Credit Union. Your ownership interest has attached to it a vote, a vote in the democratically-governed affairs of the Credit Union. Members are encouraged to exercise their voting rights as part of the election of the Board of Directors.

Cooperatively Owned

A Credit Union is a financial cooperative, meaning no one person or organization owns a Credit Union. It is owned and governed by its member-owners. As a cooperative, it exists solely to provide members with affordable, convenient financial services tailored to the uniqueness of its membership.


Credit Union earnings are generally not taxed. Therefore, earnings are typically returned to members in the form of lower rates on loans, higher returns on savings, lower fees and better service.

Volunteer Driven

Credit Unions seek the active involvement of their member-owners. Volunteerism is a fundamental component of the Credit Union philosophy. The Credit Union’s policy-making Board of Directors is comprised of unpaid volunteers elected by the membership. In addition to the Board of Directors, there are several committees that a member can serve on. To learn more about your Credit Union’s volunteer opportunities, please touch base with its Board Chair or senior management.

Socially Responsible

"People Helping People" is more than a motto at Miami University and Community Federal Credit Union. It’s what we are. We provide the same friendly, professional service to all of our members, regardless of means, because every member counts. We are here for you in bad times as well as good, and we stand by our Mission Statement:

As an industry leader, our mission is to assist member-owners in realizing personal financial success by providing competitive, value oriented products and services delivered in the tradition of excellence.

So, a Credit Union features...

• Member ownership and governance.
• Democratic equality – one member, one vote.
• A higher percentage of the earnings returned to the membership.
• Federally insured accounts (the basic insurance amount is currently $250,000).
Many no-cost value-added member services, such as Basic Checking, Online Banking, and Online Bill Pay.

Credit Unions are uniquely different and a better choice. Join us today.

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Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.


Certain restrictions may apply to the products and services described above. Contact the credit union for details. MUCFCU is not an entity of Miami University.