About credit unions

About credit unions - EECU

Credit unions are different to banks. While bound by the same regulations, credit unions are owned and operated by their members. This means they are more concerned with creating better products and services for their members than paying dividends to shareholders. Credit union members usually enjoy:

  • lower interest rates on loans
  • higher interest savings
  • lower fees and charges
  • more personalised service

According to the World Council of Credit Unions, credit unions began in 19th century Europe when Franz Hermann Schulze-Delitzsch established the first credit unions in Germany in the 1850s.

Traditionally, credit union members often share a common interest which brings them together and provides a sense of unity.

In EECU’s case, the membership bond is the ExxonMobil community and once you become a member you are a member for life, regardless of any change in your employment or family situation.