How is a credit union different from a bank? A credit union exists to serve a community of members — not to maximize corporate profits. When you join us you become part of a powerful financial cooperative. You get a safe place to save and borrow with competitive rates and lower fees than for-profit financial institutions. But what matters most is that at Credit Human, you have a voice. Member-owned means every thing we do is in the best interest of our membership. It’s that simple.