The Credit Union Difference

The Credit Union Difference

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Rogue Credit Union is a not-for-profit cooperative financial institution that is owned and operated by its members. Members elect a volunteer board of directors to oversee the credit union and the President/CEO reports to this board. Where bank directors are paid and legally bound to make decisions that benefit stockholders, the credit union President/CEO works hard to guarantee profits are shared with members through the payment of dividends, lower rates on loans and higher earnings on savings.  Because credit unions aren't focused on making a profit, interest rates on credit cards and auto loans average around two percentage points lower than bank rates. Money Maker, savings and interest checking accounts provide higher rates—giving back more to members.

Living Local - From the peak of Mt. McLoughlin to the crest of the Siskiyou Pass, here in Southern Oregon there is just something about being “HOME.” At Rogue Credit Union, we get it; Southern Oregon is a great place to live and that’s why we at Rogue are here to stay. We believe Living Local means actively engaging in life here locally, experiencing all that Southern Oregon has to offer. One thing that differentiates Rogue Credit Union from other institutions is that decisions are made locally by our volunteer board of directors right here in Southern Oregon.

Giving Local- Another thing that sets credit unions apart from most financial institutions is their active investment in local communities. Whether it's sponsoring local community events, working to educate members about better ways to manage money, or offering discounts through our Living Local Discounts program, credit unions strive to make a positive difference in their communities. Credit unions work for the sustainable development of communities they are located in.

Supporting Local - Part of the credit union philosophy is ensuring that members understand financial options. Rogue offers seminars, newsletters, and print/online financial resources to help members gain a deeper understanding of financial matters. Whether it's buying a car or home, building an emergency fund, or planning retirement, you can turn to your credit union for the facts.

Local trust - Federally chartered and insured credit unions are overseen by the National Credit Union Administration (NCUA), just as banks are overseen by the Federal Deposit Insurance Corporation (FDIC). NCUA provides credit union savings insurance of at least $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a savings insurance program backed by the full faith and credit of the United States Government, just like the FDIC.

Routing # 323274775

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