What is a credit union?

A credit union is a member-owned, not-for-profit financial cooperative that provides banking services to its members. Unlike banks, credit unions return profits to members through better rates and lower fees.

How do I know if I can join a credit union?

Credit union membership is based on eligibility criteria such as where you live, work, worship, or organizations you belong to. CUQualify helps you discover which credit unions you qualify to join.

Are credit unions better than banks?

Credit unions often offer better interest rates on savings and loans, lower fees, and more personalized service since they are member-owned cooperatives rather than for-profit institutions.

Is my money safe in a credit union?

Yes, federally insured credit unions have deposits insured by the National Credit Union Administration (NCUA) up to $250,000, the same coverage as FDIC-insured banks.

Terms of Service | CUQualify

1. Acceptance of Terms

By accessing or using CUQualify ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use our Service.

2. Description of Service

CUQualify is a free online tool that helps users discover credit unions they may be eligible to join based on factors such as location, employer, military affiliation, educational connections, and organization memberships. We provide information about credit unions but are not a credit union ourselves.

3. Not Financial Advice

IMPORTANT: The information provided by CUQualify is for informational purposes only and does not constitute financial, legal, or professional advice. We do not:

Recommend specific financial products or credit unions
Guarantee eligibility for any credit union
Guarantee approval for any financial product
Provide credit counseling or financial planning services

You should independently verify eligibility requirements directly with any credit union before applying. Consider consulting with a qualified financial advisor for personalized advice.

4. Eligibility Information Accuracy

While we strive to keep credit union eligibility information accurate and up-to-date, we cannot guarantee the accuracy, completeness, or timeliness of this information. Credit unions may change their membership requirements at any time. Always verify eligibility directly with the credit union.

5. User Accounts

To access certain features, you must create an account. You agree to:

Provide accurate and complete information
Keep your login credentials secure
Notify us immediately of unauthorized account access
Accept responsibility for all activity under your account

We reserve the right to suspend or terminate accounts that violate these Terms or engage in fraudulent activity.

6. Affiliate Relationships and Compensation

CUQualify may earn compensation when you click on links to credit unions or other financial institutions and subsequently take certain actions, such as opening an account. This is how we keep our service free.

Disclosure: Our compensation arrangements do not influence our matching algorithm or the order in which results are displayed. Matches are based solely on the eligibility criteria you provide.

7. User Conduct

You agree not to:

Provide false or misleading information
Use the Service for any unlawful purpose
Attempt to gain unauthorized access to our systems
Interfere with or disrupt the Service
Scrape, crawl, or use automated means to access the Service without permission
Impersonate another person or entity
Use the Service to spam or harass others

8. Intellectual Property

All content on CUQualify, including text, graphics, logos, and software, is owned by or licensed to us and protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

9. Third-Party Links and Services

Our Service contains links to third-party websites, including credit union websites. We are not responsible for the content, privacy practices, or terms of these third-party sites. Clicking on external links is at your own risk.

10. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

Warranties of merchantability or fitness for a particular purpose
Warranties that the Service will be uninterrupted or error-free
Warranties regarding the accuracy of eligibility information
Warranties regarding the security of data transmission

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CUQUALIFY AND ITS OWNERS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR:

Any indirect, incidental, special, or consequential damages
Loss of profits, data, or business opportunities
Damages arising from your use of or inability to use the Service
Damages arising from actions taken by credit unions
Any amount exceeding $100 USD

12. Indemnification

You agree to indemnify and hold harmless CUQualify and its owners, employees, and affiliates from any claims, damages, losses, or expenses (including legal fees) arising from your use of the Service or violation of these Terms.

13. Changes to Terms

We may modify these Terms at any time. We will notify you of material changes by posting the updated Terms on this page. Your continued use of the Service after changes constitutes acceptance of the new Terms.

14. Termination

We may terminate or suspend your access to the Service at any time, with or without cause, with or without notice. Upon termination, your right to use the Service immediately ceases.

15. Governing Law

These Terms are governed by the laws of the State of Texas, United States, without regard to conflict of law principles. Any disputes shall be resolved in the courts of Texas.

16. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and CUQualify regarding the use of our Service.

18. Contact Us

If you have questions about these Terms, please contact us:

Email: legal@cuqualify.com