www.riverviewcu.com

Belpre Office Address: 403 Main Street Belpre, Ohio 45714 Phone: 888-423-4260 Fax: 740-423-1144

Marietta Office Address: 39 Acme Street Marietta, Ohio 45750 Phone: 877-647-8664 Fax: 740-374-6827

Here Are some things you should know about joining The Credit Union.

Be sure to visit Riverview Credit Union's web page for more info.

Credit Union vs. Bank

Credit Union

• Credit Unions are member-owned, not–for-profit financial cooperatives

• Credit unions operate under a one member, one vote system

• Credit Unions have volunteer, unpaid boards

• Earning s of credit unions are returned to members in the form of higher interest rates on deposits and accounts and lower loan rates

• Credit Unions are financial cooperatives; members pool their savings to provided low-cost and low-fee services to each other

• Deposits are insured up to $100,000 by the National Credit Union Administration, which is the government’s strongest insurance fund

Bank

• Banks are for-profit, board and stockholder controlled, financial corporations

• Stockholders hold influence in the bank based on the total value of their stocks

• Customers of a bank who are not stockholders do not own a financial interest in the bank

• Bank boards are compensated for their services

• Profits of banks are divided among the stockholders

• Banks are commercial businesses; they offer services for one reason – to make a profit

• Deposits are federally insured up to $100,000 by FDIC, a government agency