For-profitNot-for-profit

Profits given to shareholders

Customers have no right of ownership

Profits go to members via better interest rates & free/low cost services

Stakeholders select a paid board

Each member has an equal share in the credit union

One vote per stock unit

Members elect a volunteer board

One vote per member

Checking/savings accounts, loans, business lending,

CDs, IRAs, etc.

Checking/savings accounts, loans, business lending,

CDs, IRAs, etc.

Banks are...Credit unions are...

Owned by shareholdersOwned by members

Insured by the NCUA Insured by the FDIC

Credit Union Di�erenceCredit unions have many of the same services and products as banks BUT differ in key areas.

$142MILLION

Credit Union Membership Makes Cents!

Last year, Missouricredit unions saved

their members

Missouri credit union members enjoy benefits like:

Less Fees & Lower Costs

Friendlier Mortgages

More Savings Potential

Credit union members saved an average of

on mortgageclosing costs.$210

Smarter Auto BuyingCredit union members

saved an average of on 60-month,new car loans.1.12%

On average, CU members saved

more on regular savings accounts.* 13x

Credit union members paid

less in credit card late fees.*28%

Source: CUNA, Missouri Membership Benefits Report, Year End 2016

*minimum balance of $1,000

*on average, compared to bank customers