Why join Certified Federal?
Certified Federal is just like a bank…only better. We’re “just like a bank” because we’re a full-service financial institution offering everything from basic banking accounts, like savings and checking accounts and Christmas Club to auto loans, home mortgages, home equity lines of credit and credit cards.
We also offer free home banking and more than 30,000 ATM locations across the United States. You’ll find Certified Federal branches in El Monte (Corporate Office), San Diego, San Fernando Valley, Arcadia, Santa Fe Springs, Commerce, and more than 7,500 Service Centers in 40 U.S. states and seven countries.
The reason we are “better” than a bank is that we’re a Not-for-Profit organization that returns its profits to members – unlike big corporate banks that must show a profit to its shareholders every quarter. Our Credit Union is a not-for-profit organization that answers only to its volunteer Board of Directors. By law, we must return our profits to members, typically in the form of lower loan rates, higher savings yields and fewer fees.
One more important point: banks are huge corporations that often become too big to provide good service. Our Credit Union is member owned and committed to excellent customer service – one member at a time.