Rancho Federal Credit Union Membership
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What Is a Credit Union?

Credit Unions are full-service financial institutions. We offer all the loans, checking, savings, investment and money management services you would find at a bank, but with one major difference. We operate not-for-profit, but as a service to our members.

Unlike banks, Credit Unions have no outside investors or stockholders. Every member is an owner and benefits from the success of the credit union. The credit union's income--after operating expenses--is returned to the membership in the form of above average dividends (interest) on savings and lower loan rates. That's the "Credit Union Difference!"