The Credit Union Difference

A credit union is a not-for-profit financial services organization that exists to serve the needs of its members. Every member is an owner with a legitimate vote in the way the credit union is operated. Like banks, credit unions are a safe place to keep your money, take out loans, and conduct business. The difference? A credit union reports to you, not shareholders.

Credit Unions are Owned by the People We Serve

Credit unions are member-owned, democratically run organizations. That means you have ownership in the credit union and a vote in how it is operated and controlled. Our members can vote and even run in the annual elections of our volunteer board of directors. This is what it means to bank like you own the place!

Credit Unions are Not For Profit

Credit unions are not-for-profit. We exist to serve the needs of our members and give profits back to them through reduced fees, lower interest rates on loans, and higher savings rates.

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Credit Unions are Personal

Credit unions provide personal service to guide you through your financial decisions. From saving wisely to home loans, investing to small business needs, credit unions have financial experts to help you navigate life's important decisions, with your best interest at heart.

Credit Unions are Easy to Join

To join a credit union, you must meet its eligibility criteria. While some credit unions are limited to employees of particular companies or a membership in a certain organization, First Service Credit Union membership is easy and accessible. We offer several ways to join.

To join First Service you simply have to:

  • Live, work, worship, or attend school in Austin County, Brazoria County, Chambers County, Fort Bend County, Galveston County, Grimes County, Harris County, Liberty County, Matagorda County, Montgomery County, San Jacinto County, Walker County, Waller County, Wharton County, Conroe ISD, or Magnolia ISD.

  • Have a family member that is an existing First Service member.

  • Be an employee of any of our Select Employee Groups, including KBR, Halliburton, CenterPoint Energy, Baker Hughes, NRG, and Kinder Morgan.