As a member of the Blue Flame Credit Union, you share in the ownership of
a full service financial institution and being an owner makes a difference.  The
credit union is democratically controlled.  You take part in your financial future by
electing your Board of Directors.  Your Blue Flame Credit Union is not for
profit, but for service.  We strive to keep costs low and profits are returned to
our members through lower fees and higher dividends . 

Since 1954 Blue Flame Credit Union has strived to meet the needs of its owners
in providing a safe and sound financial alternative. All accounts are insured up to
$250,000 by the National Credit Union Administration (NCUA), an agency of the
federal government. 
(IRA accounts are insured separately for up to an additional $250,000.)
Click to learn more about the federal insurance coverage and to estimate coverage.

Your credit union membership is a valuable asset.  Whether it's opening your child's
first savings account or buying a new home, we're here to serve you.  Your investment
of only $5.00, in a savings account, opens a world of privileges available to you and
your family. So remember that at Blue Flame Credit Union, you're not just an
account holder - you are an owner - and ownership makes a difference.

Mission Statement
Helping you, our member, achieve financial success.

Service Philosophy
In practice of the Blue Flame Credit Union philosophy, our goal is to provide
outstanding member service to the owners of the credit union.  We will constantly
strive to accurately and efficiently handle accounts and will do so in a manner that
exceeds member expectations and assures satisfaction.  

It is our goal to achieve this philosophy through:
A.) A well trained staff, knowledgeable in all credit union services
B.) Responding to member's concerns with empathy and feeling
C.) Staying abreast of state of the art technology for delivering member service

Why should I consider a credit union instead of a bank, aren't they the same thing?
The answer to why you should check out credit unions can be found in a closer 
look at the difference between credit unions and banks.

Credit Unions are member owned not-for-profit financial cooperatives.  What that 
means is that each member (or to translate into banking terms "account holder") is 
an equal owner of the credit union.  Members pool their savings together and then 
from that pool of money the credit union is able to make loans to other members.  
As the loans are paid back to the credit union, that generates more money that can 
be used to pay dividends to members for their savings.  The philosophy of "People 
Helping People" is at work in the day to day operations of every credit union.  
The primary concern of a credit union is not how to make the highest possible profits, 
but rather how to pay the highest possible dividends on savings while charging the 
lowest possible interest rates on loans with minimal or no fees. The chart below 
outlines the key differences between credit unions and banks.

Credit Unions	Banks
Are not for profit	Are profit driven
Are owned equally by members	Are owned by stockholders
Earnings returned to members in the form of  lower rates, higher dividends and lower or no fees	Earnings returned only to stockholders
Are governed by a volunteer board, all of whom are member elected	Are governed by a paid board usually  made up of majority stockholders
Are federally insured by the NCUA (National Credit Union Administration)	Are federally insured by the FDIC (Federal Deposit Insurance Corporation)

 Become a Member - Apply Online

      Membership Questions?  Send us an email, info@blueflamecu.org