Co-Operative

Cooperative Credit Union (CCU) is a not-for-profit, member-owned financial institution based in Coffeyville, Kansas, with a documented history dating back to 1937. As a credit union, it operates under the regulatory oversight of the NCUA (National Credit Union Administration) and serves its local community as a cooperative financial alternative to traditional banks. The institution emphasizes member ownership and democratic governance, welcoming new members to join and participate in the credit union model.

90% APR). The credit union also provides alternative lending products through CUALS (Credit Union Alternative Lending) for emergency cash needs, online banking services, and educational tools like the "My First Nest Egg" app designed to teach children financial literacy. The institution operates a digital banking platform alongside traditional member services.

As a credit union rather than a bank, CCU distinguishes itself through its not-for-profit structure and member-ownership model, where profits theoretically return to members rather than external shareholders. The institution maintains deep community roots in Coffeyville and positions itself as a local alternative to larger commercial banking institutions. The presence of auto loan shopping tools and multiple loan product options indicates a full-service retail credit union operation.

Based on available website information, CCU appears to be a legitimate, established credit union with standard product offerings. As a credit union operating since 1937, it has longevity, but prospective members would need to contact the institution directly for comprehensive terms and conditions.