chequing

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Penguin resting and chequing on the rest of the group Royalty Free Stock Photo

Blank generic cheques Royalty Free Stock Photo

Bank account statement and golden key Royalty Free Stock Photo

A credit union is a member-owned, non-profit financial cooperative that provides services like chequing accounts, loans, and mortgages, similar to a bank. The key difference is that credit unions are owned by their members, and any profits are returned to members through services or dividends, rather than going to shareholders. This structure often results in personalized advice and community focus, with potentially more favorable terms like lower fees or higher interest rates