Skip to content

Eight Reasons to Love a Credit Union

By: Fairmont FCU
Published: 02/06/2017

Being a part of a credit union has many benefits over large for-profit financial institutions. Credit unions are not-for-profit organizations that offer financial services to individuals who are eligible for membership. Membership provides an ownership share in the credit union and as such the member has control over the business practices of the organization. One similarity between a credit union and a bank is the fact that federal credit unions, like Fairmont Federal Credit Union (FFCU), are insured by NCUA’s National Credit Union Share Insurance Fund, which is comparable to FDIC’s Deposit Insurance Fund.

Perhaps you are wondering why people love credit unions so much. Here are seven reasons to consider.

  1. Lifetime membership – Once an applicant meets the membership requirements for the credit union, they will always be a member. At FFCU, membership is open to individuals who live, work, worship, volunteer, goes to school or businesses in the West Virginia counties of Marion, Monongalia, Harrison or Taylor; or are employees of Valley HeathCare in Preston county.”

  2. 24/7 account access – Access your account at over 55,000 surcharge-free ATM machines.

  3. Electronic Banking – Mobile and online banking allows instant access to funds and account information from anywhere in the world.

  4. Low or no fees – Depending upon the account you choose, credit union members enjoy considerably lower fees than those who have traditional bank accounts.

  5. Family benefits – Immediate family members, including a spouse, parent, child, sibling grandparent or grandchild are qualified to join the FFCU even if the eligible family member chooses not to join.

  6.  eStatements – Get your account transactions sent to your email account instead of waiting for a paper statement.

  7. People first – Because credit unions are part of the communities in which they operate, they are more connected to the needs of the community, often taking time to reach out to underserved populations.

  8. Discounts for other retailers – As a credit union member, one of unique benefits includes enrollment at This rewards program offers credit union members valuable discounts to a variety of local and national retailers.

At Fairmont Federal Credit Union, our goal is to provide our members with valuable financial services that offer rewards based on membership. Each of our members are a valuable part of our credit union community. Contact us for more information on credit union membership as well as our reasonable lending and account products.


Find Your Career

Here, it's all about "People Helping People."

Say Cheese!

Introducing Mobile Check Deposit.

We seek to satisfy! Who has made your day today?

Tell Us More