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The 4 Biggest Credit Union Myths

by IBMSECU Marketing | Oct 13, 2017

Dreams Thrive HereWith International Credit Union Day right around the corner, we’d like to clear up the four biggest myths about credit unions. 
1. They aren’t big enough.

There are big and small credit unions, but just like banks, your deposits at a credit union are insured by the federal government up to $250,000. 

2. It will be hard to access my money.

Credit unions have access to a network of 30,000 free ATMs and 5,000 shared branching locations, making it easy for you to access your money anywhere. IBMSECU has 19 branches in Florida and Georgia as well as access to more than 60,000 ATMs nationwide and nearly 5,500 CO-OP Shared Branch locations. Use our Branch and ATM Locator at to find one near you!

3. I can’t join.

Anybody can join a credit union. You may be eligible based on your employer, where you live, or your family, as most credit unions allow members’ families to join.

4. They don’t offer as many perks as banks.

Credit unions offer the same financial products as banks—checking accounts, debit and credit cards, online banking, IRAs (individual retirement accounts), and home and auto loans—but because they’re not-for-profit, they often offer better rates than banks. IBMSECU members enjoy a free $2,000 Accidental Death and Dismemberment policy, free credit monitoring and ID Theft Services, along with free access to credit counseling services, among other perks.


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