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Ohio Educational CU
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The Credit Union Difference

The philosophy of “people helping people” sets credit unions aside from other for-profit financial institutions. Credit Unions have members, not customers. When you deposit money with a credit union, you become a member, and as a member, you have a share of ownership.  OHecu supports seven cooperative principles that are an integral part of OHecu.  We maintain these principles in all aspects of our business initiatives. 

Financial Cooperative PrinciplesThe CU Difference

Voluntary Membership

Credit Unions are voluntary, cooperative organizations, offering services to people willing to accept the responsibilities and benefits of membership. The board of directors consists of unpaid volunteers elected by the membership.

Democratic Member Control

Credit Unions are democratic organizations owned and controlled by its members, one member one vote, with equal opportunity for participation.

Members' Economic Participation

Members are the owners; they contribute to, and democratically control, the capital of Credit Unions. This benefits members in proportion to their transactions with Credit Unions rather than on their capital invested.

Autonomy and Independence

Credit Unions are autonomous, self-help organizations controlled by its membership. 

Education, Training and Information

Credit Unions provide education and training to members so they’ll benefit from, and contribute effectively to, the development of credit unions.

Cooperation Among Cooperatives

Credit Unions serve their members most effectively and strengthen the credit union’s cooperative movement by working together with other credit unions directly through local, state, regional, and national structures.

Concern for Community

Credit Unions focus on more than just members’ needs, they also work for the sustainable development of communities, including people of modest means, through policies developed and accepted by the members.


Once a Member, Always a Member!

It is OHecu's philosophy that once you are a member, you can always be a member.  Even if you move, change jobs or retire from the company or association that offers you membership, you can continue to be a member at OHecu.  As long as you keep your account in good standing, you will maintain the full privileges of membership OHecu has to offer. 

To see how to become a member, click here.


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