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What is a Credit Union?

There are approximately 12,000 member-owned cooperative financial institutions, known as credit unions, in the U.S. Their roots go back to 1849 when the first credit union was established in Western Europe. A credit union is usually formed around a common bond, generally employment. Its main purpose is to give member owners a place to save and borrow. Members pool their money into a variety of savings and investment accounts. This money is lent to members who pay interest. After operating expenses and reserve requirements are met, the remaining loan income is returned to the members as dividends and other financial services. A credit union is not a bank. It is a non-for-profit cooperative, owned and controlled by its members. This means that, unlike banks, the credit union's primary objective is not to generate profits for stockholders, but to satisfy the financial needs of its members.

Why Should I Join A Credit Union?

When you invest in the credit union you're not only making a wise financial decision for yourself, you're also helping other Maumee Valley Credit Union members reach their Financial Destination. The credit union's earnings are returned to you, our members, in the form of higher dividends, lower loan rates, lower (or no) service fees, and more convenient services. And because each member owns a share of the credit union, you have the opportunity to vote in credit union elections.

By joining the credit union, you and your eligible family members become MVCU members for life! No matter where you live or work in the future, your membership will continue as long as you maintain an active savings account and remain a member in good standing.

Is the Maumee Valley Credit Union Secure?

Yes, you'll have peace of mind of knowing that the American Share Insurance Company privately insures your funds up to $250,000 per account. American Share Insurance is a corporation chartered by the State of Ohio.


Online Banking is a great way to stay on top of your finances, with the convenience of being able to stay home.

Monday, November 20, 2017
This institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money. Members' accounts are not insured or guaranteed by any government or government-sponsored agency.