Home > Credit Union Philosophy > How do credit unions invest in their communities?

Question: How do credit unions invest in their communities?

Answer: While different credit unions have different memberships, credit unions, by their nature and structure, have always served all their members fairly and equally. Today, the majority of credit union in Montana have a community charter, meaning everyone in geographical community is eligible to join.

The CRA was passed by Congress in 1977 to force banks to provide loans, deposits, and other financial products to areas perceived to be not profitable. Banks could generally make loans without geographic constraints. This led many institutions to make loans only in profitable areas, or outside of the local community where banks received deposits. Credit unions have not been part of the CRA since they have always served their entire membership fairly and equally. Credit unions have never needed a regulation to force them to make a loan to their members … it’s all part of the regular way they do business.

About Us

Network Governance
Full Staff Listing
Credit Union Chapters

Contact Us

Credit Union Jobs


CU PolicyPro
Fraud Resource Center
Compliance Training Tools


Advocacy &
Government Relations

     National Programs
     State Programs

Government Relations
     Montana Government
     Federal Government Affairs

Political Action

Community Development 


Conferences and Trainings
Distance Learning
Financial Literacy for Volunteers


League Service Group

Directly Provided Services
Group Benefit Trust

Communications & PR

Credit Unions in the News
President's Report
Photo Galleries
Network News
News Archive

Credit Union Directors

The Director's Job
Volunteer Recognition
Helpful Resources
The Blog "A Direct Line"


Find a Credit Union Near You
ip of the Week
Topic of the Month
Reciprocal Check Cashing

Montana's Credit Unions

Credit Unions in the News
Credit Unions for Kids
Credit Union Philosophy