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Phone: (609) 838-2847   Toll Free: (877) 871-2584  

Why Credit Union


What's good for you is good for your credit union. Because credit unions are not-for-profit financial service cooperatives, owned and controlled by the people who use their services, they work for the benefit of members.

That means your opinions and expectations count. In fact, member needs and standards drive the credit union's product and service offerings, and are the true measure of a credit union's success.

Because you are the force behind our credit union's growth and prosperity, and because credit unions work for members, you and fellow members can expect:

  1. A financially secure institution complying with the laws and regulations that governs it.

  2. A solid financial condition; responsible management of members' financial resources.

  3. Highly principled employees demonstrating integrity, professionalism, and ethical behavior.

  4. Respectful, courteous, timely, and unbiased personal service.

  5. Confidential records and transactions.

  6. The opportunity for your opinions to be heard and valued.

  7. Voting rights.

  8. Volunteer credit union board and committee membership opportunities if you qualify and are elected.

  9. Dividend and loan rates that compete with and, whenever possible, offer advantages over other financial institutions' rates.

  10. Truthful advertising and disclosure of product and service rates, risks, charges, obligations, terms, and conditions.

  11. Timely notification and correction of credit union errors or inaccuracies.

  12. Timely response to loan requests, account problems, or suggestions.

  13. Recourse appeal and fair resolution of problems.

  14. Consumer information to help you make wise credit, saving, and purchasing decisions, and to effectively manage your money.

We appreciate the privilege of serving you. Thank you for being a credit union member.


*Family Membership
*High dividends on Share Savings and Certificates
*Direct Deposit
*Deposits insured up to $250,000 by NCUA
*Dividends computed monthly
*Individual Retirement Accounts
*Roth and Education IRA's
*Share Draft Checking accounts

You are a member of an organization owned by its members. It is always easier and more pleasant to do business where you are a member and not just an account number.

The First Point Federal Credit Union will help and encourage you to save and pays a good dividend on your money. When the time comes to borrow, the Credit Union is on your side.

When you save and borrow from the Credit Union, you support and organization whose sole purpose are to help its members prosper. You are always welcome and we hope you come in whenever financial help is needed.

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This credit union is federally insured by the National Credit Union Administration.
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