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Rogue Credit Union is committed to living, giving and supporting local.
We’re a credit union and that means we do things a little differently. As a not-for-profit financial cooperative, Rogue is owned by its members and serves our local communities. We exist to serve our members, not to make a profit. At Rogue, earnings are returned to our member-owners in the form of lower loan rates, higher interest rates on deposits, lower fees, and Loyalty Dividends.
At a credit union, when you’re a member, you’re also an owner. Every member has an equal share and voice in the credit union – no matter how much is in your account. We answer to our member-owners and we are committed to doing what’s right for YOU.
Over 200,000 member-owners are the driving force behind Rogue’s focus on providing financial solutions that fit YOUR individual needs. Our community-based board of directors features representatives from the regions we serve. The Rogue Board of Directors live and work in our communities and know the unique challenges and opportunities we face. The Rogue Credit Union Board of Directors has one purpose - to ensure that you have a trusted local financial institution that builds loyalty through member-focused financial solutions.
A membership with Rogue is more than a savings and checking account. It means you are an owner of the credit union, so we treat you like one. At Rogue, doing the right thing for our members and the local community is at the heart of every decision we make. As a not-for-profit cooperative, we exist to serve YOU, our member-owner.
Rogue Credit Union’s mission is to make an impact in the communities we serve every day through living, giving and supporting local. YOUR credit union exists for one purpose: to serve YOU, our members. As a not-for-profit cooperative, our focus is not our assets, but giving back to the communities we serve.
When you are deciding where to open your financial accounts, you may wonder: Should I go to a bank or a credit union? As you make your decision, consider what matters to you most – for example, having access to branches and ATMs nationwide or the lowest fees on a checking account.
Myth #1: Credit unions and banks are the same.
Fact: Credit unions don’t answer to outside shareholders and instead give earnings back to their members through benefits like higher returns on savings, lower loan rates, added services, and fewer fees. The Credit Union Associate (CUNA) estimates that credit unions provided $12.6 billion in direct financial benefits to the nation’s 120 million members during 2020. They also support their local communities through financial education, serving underserved populations, volunteering, and contributing to community initiatives.
Myth #2: Credit unions have strict eligibility requirements.
Fact: While credit unions do require that members meet certain requirements to satisfy a common bond
these requirements are broad, and few of them truly limit membership. It is usually as simple as living or working in a credit union’s service area.
Myth #3: “Member” means the same thing as customer.
Fact: Being a member means that you’re an owner! As a member, you’re part of something smaller with a bigger impact.
Myth #4: My money is not as safe in a credit union.
Fact: Your deposits, up to $250,000, are federally insured by the NCUA and backed by the full faith and credit of the United States Government. Credit unions have the latest security to keep your funds safe and available. We also offer free financial education on identity theft, fraud and the latest trends in cybersecurity!
Myth #5: Local means limited.
Fact: Credit unions offer the same products and services as banks, in addition to more personalized offerings, such as credit counseling, financial education, investment services and more! Credit unions participate in large ATM networks, giving members access to their funds at more surcharge-free ATMs than some of the big banks.
Myth #6: Credit Unions share the business model as a bank.
Fact: Banks are for-profit financial institutions owned by investors; credit unions are not-for-profit financial co-operatives owned by their members.
Myth #7: Switching over to a credit union is difficult.
Fact: Our philosophy of serving every member, every moment makes the process personalized and simpler than you think! Rogue also offers several ways to join including online, by phone or in a local branch.
