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When You Join Us, You’re Joining a Powerful Movement

We are proud to be part of the credit union movement that prioritizes people over profit. When you become a member, you not only drive our work, but you also financially benefit from our cooperative model.

What Are the Practical Benefits?

Convenient Digital Banking

Organize your finances with a few clicks.

Competitive Loan Rates

Access low loan rates for your vehicle, home, or personal financing.

Local Branches

Get to know the folks at your nearby branch and enjoy personalized service.

High Interest Rates

Watch your savings grow—without breaking a sweat.

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URW Community FCU vs. Banks

As a credit union, we recognize your unique goals and understand what it takes to get you there.

How we operate

How we operate
Who can join

Who can join
Where your money goes

Where your money goes
Deposit insurance

Deposit insurance
Who’s in charge

Who’s in charge
How we work with others

How we work with others

URW Community FCU

How we operate

Not-for-profit

Profits go back to members through better rates and lower fees.
Who can join

Members

Open to those who (or have family who) live, work, worship, volunteer, or attend school in our service area.
Where your money goes

Local community

We invest in our communities to support local growth and organizations.
Deposit insurance

NCUA insured ($250k)

The National Credit Union Administration (NCUA) insures your money up to $250,000—backed by the U.S. government.
Who’s in charge

Member-owned

You get a vote and a voice.
How we work with others

Cooperative

We collaborate with other credit unions to serve members better.

Banks

How we operate

For-profit

Profits go to shareholders, not customers.
Who can join

Customers

Anyone can open an account, but you’re just a customer—not a member.
Where your money goes

Generating revenue

Money gets funneled to increase shareholder earnings.
Deposit insurance

FDIC insured ($250k)

The Federal Deposit Insurance Corporation (FDIC) insures your money up to $250,000—also backed by the U.S. government.
Who’s in charge

Shareholder-owned

Only investors have a say in decisions.
How we work with others

Competitive

Banks compete for business and focus on profits.

Who Can Join?

Anyone who meets one of these requirements can become a member:

If you live, work, worship, volunteer, or attend school in one of these areas:
- City of Danville
- Pittsylvania County
- Caswell County
- Halifax County
- City of Martinsville
- Henry County
If you are a family member of or live in the same house as a URW member.

What You Need To Open an Account

Current government issued photo ID

Proof of current address

(e.g., utility bill)

Proof of social security number

Switch to URW Today

Download our Switch Kit, open an account online, or visit a branch and say hello. We can’t wait to meet you!

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