Delivering Value ~ Enriching Lives... People Helping People Since 1949
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Not for Profit / Member-Owned. Founded in 1949 by the employees of the Whittier Telephone company, its' our cooperative spirit and focus on our member owners that sets us apart from banks. This means a larger portion of our income is returned to members in the form of higher dividend rates, competitive loan rates and lower fees. Banks on the other hand, use their customers to generate income to keep their stockholders happy. This is a big difference and impacts your financial well being. It's a proven fact that the more services you use at a credit union the more money you will save over time.
The experts agree. Joining a Credit Union is smart money management. From USA Today , Smart Money and the Wall Street Journal, to leading consumer magazines and financial advisers like Suze Orman and Kiplinger Report, research shows that credit unions typically offer members better financial services at lower costs than are available elsewhere.
Safety and security you can count on. Prospectors Federal Credit Union has earned a Superior 5-Star Rating for over 24 years from Bauer Financial. This distinction places it in the top 4% of all federally insured institutions in the U.S. Additionally, your deposits at Prospectors are Federally Insured by the National Credit Union Administration (NCUA), up to at least $250,000 for regular accounts while individual retirement accounts are insured separately to $250,000. When set up correctly, accounts for a family of four can be insured for up to $3,500,000.
We at Prospectors make this promise: To always offer members individualized attention while providing access to a full range of financial services. We encourage you to join us and experience the difference between just banking and being part of a committed financial partner.