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Credit Unions, like Smart Financial, have the same safe, secure, and convenient technologies as banks including a mobile app, online banking, ITMs, ATMs, and more! Read below to learn some of the key differences.

Who Benefits?

Credit Union Benefits

CREDIT UNION

Credit Unions are not-for-profit, returning profits back to members through better rates, fees, and services.

Bank Money

BANK

Banks are for-profit, returning profits back to stockholders.

Who Can Join?

Community Bank

CREDIT UNION

Credit Unions have members who can join based on meeting certain criteria. This is often easy criteria to meet like living or working in a specific area!

World

BANK

Banks have customers and are open to the public.

Who's In Charge?

Members

CREDIT UNION

Credit Unions are financial cooperatives, owned and operate by members. They are governed by a Board of Directors who serve without pay.

stakeholders

BANK

Banks are owned by private investors and stockholders and chartered by state or federal government. They are governed by a paid Board of Directors.

What's the Customer Service Like?

community service

CREDIT UNION

Credit Unions offer local, personalized service and are community-oriented.

customer service

BANK

Banks offer less personalized service and interactions as they serve to the interest of the stockholders.

What Products Are Offered?

money

Credit Union

Credit Unions offer the same products and services as banks.

loan

BANK

Banks offer the same products and services as credit unions.

Is the Technology the Same?

online banking

CREDIT UNION

Credit Unions like Smart Financial, have the same safe, secure, and convenient technologies as banks including a mobile app, online banking, ITMs, ATMs, and more!

cell phone

BANK

Banks offer similar technology as credit unions.