Coyote SCU - Better Than A Bank!

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Promos and Info

Information, special offers, forms, and fun - Click Here To Get Started with YOUR student CU!

Win a $2500 or $1000 College Scholarship! Click here for details!

Learn responsible credit use and start building good credit - Student Credit Card.

Need Help Paying for College? Get a BVCU Student Loan through Sallie Mae.

Fun, online credit responsibility class just for teens - a requirement to open your Student Credit Card.

We're Better Than Banks!Click here for details!

28,000!

28,000 FREE ATMs Nationwide!

Internet Banking - You are completely connected online.

FREE Checking with NO FEEs with a Coyote SCU Checking Account.

BVCU is YOUR Eco-Conscious C.U.! Click here for details!

Better Than A Bank!!!

Why Coyote SCU Is Better!

Comparing the choice of a credit union versus a bank clearly tips in the credit union direction:

Minor Accounts Comparison - Boulder Valley Credit Union vs. Other Local Banks

What are some other reasons Coyote SCU (sponsored by Boulder Valley Credit Union) is better?

We'll give you 10 reasons:

Stellar Service - We actually care about your well-being NOT about padding our pockets
Better Rates On Both Deposits and Loans
No Hidden Fees - Not only are there fewer and lower fees at BVCU, we don't bury them in fine print
We're LOCAL! With a bank you never know what city your money is in.
Over 25,000 surcharge-FREE ATMS Nationwide
Over 2,400 FREE Service Center locations Nationwide
Auto Buying Made Easy - Your Own Free Personal Auto Broker
Mortgages - Full Service First Mortgage Division - Lower Fees and Closing Costs
Community Involvement - Banks are required by regulation to give back to their communities, at BVCU we do it because we are truly a part of YOUR community.
Ownership - Our members are part owners that have a voice in the direction of the Credit Union via elected volunteers. Banks are driven by profit and shareholders.

"When it comes to personal attention, high-quality service and low fees, credit unions continue to knock the socks off other providers in the financial services marketplace," says Daniel A. Mica, president and CEO of Credit Union National Association.

Americans seem to agree. Credit unions have topped the consumer satisfaction ratings in American Banker's annual survey for 12 years in a row.

Credit Unions vs. Banks Video!

Click on the BankerSpank image above to spank a banker and access hilarious streaming video of the Banks Vs. Credit Unions commercials.

Credit Unions Vs. Banks

At BVCU, we are proud of our tradition of providing stellar service to our members for nearly 50 years, and we look forward to continuing to serve our members while we adhere to the Credit Union Philosophy of “People Helping People."

We have found that not many people know all the differences between a Credit Union and a bank. There are some very important differences that create some great benefits to Credit Union Members! Here are some of the main differences that set us apart.

Credit Unions	Banks
Credit unions have members, not customers. Each person who deposits money in a credit union becomes a member of the credit union because his deposit is considered his share of the ownership. That means credit unions are member-owned. Each member is also an owner of the credit union.	Banks can serve anyone in the general public. Banks have customers who have no voice in how the bank is operated. Banks are owned by small groups of investors who expect a certain return on their investments.
Credit unions are democratically controlled. They are run by a volunteer board of directors elected by and from the membership. Each member has one vote in electing board members and certain committee members and can run for election to the board or committees.	At banks, only the investors have voting privileges. Customers don't have voting rights, cannot be elected to the board, and have no authority in the overall governance of their bank.
Credit unions are not-for-profit. This doesn't mean that they do not or should not make a profit. After expenses are paid and reserves are set aside, surplus earnings are returned to members in the forms of higher dividends, lower loan rates and free or low-cost services.	In banks, only the investors get a share of the profits.
Federally chartered and many state-chartered credit unions are insured by the National Credit Union Share Insurance Fund (NCUSIF), which is managed by the National Credit Union Administration, an agency of the federal government. As a federal deposit insurance fund, the NCUSIF is backed by the full faith and credit of the U.S. government. The NCUSIF is the only deposit insurance fund that operates on a pay-as-you-go system, which prevents the accumulation of annual losses. The NCUSIF has never had to use taxpayers' money.	Banks are insured by the federal government. Their insurance fund is called the Federal Deposit Insurance Corp. Part of this fund, which covers savings and loans, had to be bailed out by using billions of dollars of taxpayers' money. The FDIC is not operated on a pay-as-you-go system.
Credit unions are part of a worldwide support network that includes credit unions, state credit union leagues, a national trade association (CUNA) and a worldwide credit union organization ( WOCCU). They share ideas, information and resources.	Most banks belong to state and national organizations. However, banks usually are reluctant to share ideas, information and resources with each other.