Better Rates
As not-for-profit institutions, credit unions are generally able to offer lower loan rates and higher deposit rates than the banks.

Valuable FREE Services
LA Financial Credit Union provides members with no-surcharge access to 5,000+ CO-OP Shared Branch Network locations and nearly 30,000 surcharge free CO-OP ATMs.

Membership Ownership
Owned by their members (rather than outside stockholders), credit unions are focused on people – not profits. Members elect a volunteer board to oversee their credit union; the credit union’s resources are then directed toward the good on the membership as a whole. Credit Unions exist to serve their member-owners by helping them to make the most of their money.