What’s the difference between a bank and a credit union? There are a few, but perhaps the biggest is that a credit union is not-for-profit institution, owned and controlled by its members, not outside investors.

Like a bank, credit unions offer staple financial products and services, including checking and savings accounts, credit cards and a variety of loan products.

Unlike a bank, credit unions offer lower fees, lower lending rates, higher savings rates, financial literacy programs, and much more. Here are just some of the perks of a VLFCU membership.

  • Free checking
  • Free notary service
  • Free coin counting service (Hayes branch only)
  • Safe deposit boxes (Perkins branch only)
  • $1,000 Accidental Death & Dismemberment Insurance
  • $750,000 deposit insurance*
  • Postage stamp books for purchase
  • Online banking & bill payment
  • eStatements
  • Telephone account access
  • Cashier’s checks and money orders
  • Night depository
  • Payroll deduction
  • Visa TravelMoney® Travel Card

But we think the biggest perk is the local service you get, right here in your hometown. Need more reasons to join? Check out this list of 15 Reasons to Join a Credit Union and explore our short Financial Empowerment tutorial on the Benefits of a Credit Union.

If you’re not already a VLFCU member, we’d love to have you! Learn more about our membership qualifications here and apply online today.

Credit Union Appreciation Day

October 17th Credit Union Appreciation Day, and we’re celebrating YOU with our Let’s Make Memories Sweepstakes.

Share a photograph and a memory of a recent milestone that VLFCU helped you achieve, and we’ll enter you into a drawing to win a Canon EOS Rebel T7 Digital SLR Camera Travel Bundle, valued at $850.00. The deadline for submissions is October 11th.

And mark your calendar to visit one of our five branches on October 17th for Credit Union Appreciation Day! We’ll have giveaways, drawings, refreshments and free document shredding! The winner of the sweepstakes will also be announced.

When it comes to choosing the right financial partner, we think the choice is clear. VacationLand Federal Credit Union is different. You’ll know it the minute you walk through our doors. We pride ourselves on anticipating our members’ needs and exceeding their expectations with superior service and products. Come see for yourself.


*All depository accounts are insured up to $750,000. The first $250,000 is provided by the NCUA Share Insurance Fund (NCUSIF). An additional $500,000 is made available through private insurance from Excess Share Insurance (ESI). This coverage is more than most financial institutions offer!