Selecting a financial institution is a matter of habit and the perception of the best service on a checking account. We believe that the best location is at a credit union. Nearly 8 million Texans feel the same way.

But selecting a financial institution goes beyond where someone deposited piggy-bank funds as a child, or where parents or grandparents had their accounts. It goes to where someone will always receive the best service, where there are people who honestly care about someone as an individual, and where people are willing to help in bad times as well as good times.

Selecting a financial institution means choosing a place where interest rates on loans are fair (as opposed to high so that stockholders get their earnings per share as demanded by Wall Street investment advisors), where interest paid on deposits is better (as opposed to low and thus avoiding paying anything), and where fees are minimized (as opposed to treating fees as a revenue source and accessing fees for absolutely every transaction that is performed).

We believe that the best selection is with a credit union. And the populace feels that way too. Here are but a few quotes from recent research on the subject.

• “62% of Texans perceive that it is easier to get a loan from a credit union.”¹
• “65% of Texans perceive that credit unions are more concerned about their customers.”¹
• “Statements that describe credit unions are "care more about people" (67%), "locally owned" (61%), "easier to get a loan" (60%), and "better deals for consumers" (59%).”²
• “The top nine services for consumers are free checking, personal service, 24-hour ATMs, check cashing, competitive savings rates, debit or check cards, online access, drive-up ATMs, and competitive auto loan rates.”¹
• "69% of consumers do not know that credit unions offer small business loans.”¹

Whatever choice is made, people will find all the financial services they need are at a credit union. And there is a credit union just right for every one. Discover a credit union today. Become a member and, in the process, an owner of the institution and the future. Join a credit union today.

1 - 'A Comparative Report on Member and Nonmember Awareness, Attitudes, and Usage of Financial Institutions and Credit Unions,' Decision Analyst, Inc., November 2005

2 - 'Texas Credit Union League,' Voter Consumer Research, April 6, 2005