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What's a 信用合作社?

Like a bank, only better.

Not Your Average Financial Institution

You’ve heard of banks, but you might not be as familiar with credit unions. They are financial institutions, too, yet are not-for-profit cooperatives owned by their members. Credit unions focus on helping their members save, 借, and receive competitive financial services.

信用合作社 银行
非营利性 For-profit business
Owned by its members Has customers and shareholders
Focus is on service Focus is on maximizing shareholder value
Higher dividend rates on deposits Lower interest rates on deposits
Lower interest rates on loans and credit cards Higher interest rates on loans and credit cards
Fewer and lower fees 更多的 and higher fees

Credit unions such as 元素 operate to promote the well-being of their members. Profits made by credit unions are returned to members in the form of fewer fees, lower loan rates, and higher 存款利率

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You are more than a member at 元素, you are a partial owner. Credit unions are owned and controlled by the people who use their services. Your vote counts! A volunteer board of directors is elected by members to manage a credit union.

Become a member


Members achieve many different types of financial goals, all in one place at one time. As the credit union and its members succeed, everyone feels that impact. Credit unions even work together to provide benefits.

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Community Impact

Members appreciate the community focus of credit unions. 元素 often provides financial education, volunteerism, and monetary support to our neighbors.

See how 元素 supports our community

How to Get Started with 元素

Open an Account

Make your membership official by opening an 元素 savings account.

We’ll even put $5 in to get you started — no need to transfer funds from an existing account.

From there, consider adding checking, loans, or credit cards to the mix.


You are now an 元素 member!

Start earning higher rates on your deposits, getting lower rates on your loans and credit cards, and paying fewer fees.

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