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Credit Unions vs. Banks<\/p>\n
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How is a credit union different from a bank? A bank\u2019s earnings are returned to a very small group of stockholders, but credit unions are member owned. This means that the earnings of a credit union, after expenses and reserves, are returned to all members in the form of higher savings rates and lower loan rates. Also, you generally pay less for other services and pay fewer fees.<\/p>\n
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Who Can Join TFCU?<\/p>\n
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Timberland Federal Credit Union has an \u201cunderserved community charter,\u201d which means that anyone who lives, works, worships or attends school in Clearfield, Jefferson, or Centre County can become a member.<\/p>\n
In addition, employees of designated businesses or members of certain associational groups are eligible to join TFCU. We will continue to serve these Select Employee Groups and any other businesses in the area that are interested in providing the benefits of a credit union membership to their employees.\u00a0<\/span>Contact us<\/a>\u00a0<\/span>for a list of current businesses and groups included in our field of membership.<\/p>\n And finally, immediate family members of current members can join. This includes a spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, and adoptive relationships. People living in the same household as a current member, defined as \u201cliving in the same residence, maintaining a single economic unit\u201d, are also eligible to join.<\/p>\n