--- title: Perks You Should Be Taking Advantage of at Your Credit Union description: Credit unions are member-owned, with resources tailored to your community. Here are some of the perks you should take advantage of at your credit union. image: https://rmcu.net/hubfs/RMCU_Template_Blog_Advantage_Credit_Union_Header.jpg --- [![RMCULogoColor.jpg](https://rmcu.net/hubfs/RMCU-logo.svg "RMCULogoColor.jpg")](https://rmcu.net) [Online Banking Login](https://banking.rmcu.net/auth/signin) [Online Banking Login](https://banking.rmcu.net/auth/signin) [![RMCULogoColor.jpg](https://rmcu.net/hubfs/RMCU-logo.svg "RMCULogoColor.jpg")](https://rmcu.net) - - [Home Loans](https://rmcu.net/home-loans) - [Personal](https://rmcu.net/personal) - [Business](https://rmcu.net/business) - [Membership](https://rmcu.net/membership) - [Careers](https://rmcu.net/membership/about-rmcu/careers) - [Contact Us](https://rmcu.net/contact-us) - Search - [Financial Education ▾](https://rmcu.net/blog/perks-of-credit-unions#financial-education-nav) - [About RMCU ▾](https://rmcu.net/blog/perks-of-credit-unions#about-rmcu-nav) - [Security](https://rmcu.net/membership/security) - [TruStage: Security Alert](https://rmcu.net/trustage-security-alert) - [Money Mastermind](https://rmcu.net/money-mastermind-lessons) - [Financial Counseling](https://rmcu.net/financial-counseling) - [Savvy Money](https://rmcu.net/membership/financial-education/savvy-money) - [Blog](https://rmcu.net/blog) - [Resources](https://rmcu.net/resources) - [RMCU Team](https://rmcu.net/membership/about-rmcu/rmcu-team) - [Member Information](https://rmcu.net/membership/about-rmcu/member-information) - [Annual Meeting](https://rmcu.net/membership/about-rmcu/annual-meeting) - [Community](https://rmcu.net/membership/about-rmcu/community) - [Our History](https://rmcu.net/membership/about-rmcu/history) [back to blog](https://rmcu.net/blog) [Tips from the Pros](https://rmcu.net/blog/topic/tips-from-the-pros) # Perks You Should Be Taking Advantage of at Your Credit Union Read Time **3 mins** | Written by: Rocky Mountain Credit Union [mailto:?subject=Perks%20You%20Should%20Be%20Taking%20Advantage%20of%20at%20Your%20Credit%20Union&body=https%3A%2F%2Frmcu.net%2Fblog%2Fperks-of-credit-unions](mailto:?subject=Perks%20You%20Should%20Be%20Taking%20Advantage%20of%20at%20Your%20Credit%20Union&body=https%3A%2F%2Frmcu.net%2Fblog%2Fperks-of-credit-unions)     ## Credit Score Tools ![savvymoney credit score tool](https://rmcu.net/hs-fs/hubfs/RMCU_Template_Blog_Advantage_Credit_Union_Savvymoney_Accent.jpg?width=2894&name=RMCU_Template_Blog_Advantage_Credit_Union_Savvymoney_Accent.jpg) Some credit unions offer tools right inside your online banking platform that allow you to monitor your credit score in real time. That’s huge for financial growth and security. Tools like Rocky Mountain Credit Union’s (RMCU) [SavvyMoney](https://blog.rmcu.net/blog/savvymoney-help-credit) can help you keep tabs on the ebbs and flows of your credit score, seeing clearly what factors impact it so you can adjust and change course as needed. It also makes it clear if someone has infiltrated your identity, showing you immediately if there’s illicit activity you need to be aware of with an unexplained dip.    ## Skip Payment Options A credit union is designed to serve the community. And that comes in many forms, from ease of money management to support when you need it most. [Skip-a-pay options](https://blog.rmcu.net/blog/holiday-loan-and-skip-a-pay), offered over the holidays by RMCU, give you some financial flexibility, allowing you to skip a loan payment for a month with no penalties. When money is tight during months of big spending, this is a perk you could easily benefit from at your credit union.    ## Access to Smaller Loans Sure, finding a loan for a new house or a reliable car can be tough. But sometimes, it can be even harder to figure out financing for the little things, like new gear and toys for outdoor recreation that can still put you back with big upfront costs. [Gear loans](https://blog.rmcu.net/rmcu-gear-loans-lp) offered by RMCU allow you to afford things like new skis, a kayak or fishing gear with smaller payments over time.    ![couple kayaking on lake](https://rmcu.net/hs-fs/hubfs/RMCU_Template_Blog_Advantage_Credit_Union_smallerloan_Accent.jpg?width=2894&name=RMCU_Template_Blog_Advantage_Credit_Union_smallerloan_Accent.jpg)   ## Credit Card Rewards Programs You can make your money work even harder for you with a credit card rewards program through your credit union. RMCU’s [VISA Rewards Card](https://www.rmcu.net/personal-banking/credit-cards) gives you your choice of rewards, so you can pick the perks that benefit you most. When you spend money as you normally would, you can rack up points, cashback and rewards without lifting a finger. Then, manage it all from the same dashboard with the rest of your money easily.    ## Simplicity One of the greatest perks is simplicity: With a credit union, you get to enjoy the ease of having everything all under one roof. From your checking and savings accounts, plus credit cards, to your home, gear and auto loans, all of your finances are right in one place. Fortunately, this one is easy to incorporate by [setting up your first account with RMCU](https://www.rmcu.net/personal-banking/open-an-account).    Your financial life doesn’t have to be complicated. Simplify and streamline by putting your accounts all in one place at RMCU and enjoy the perks that come along with it. For more information on how to make the most out of your financial life, visit the rest of [our blog](https://www.rmcu.net/blog).       ***If you enjoyed this blog, you might enjoy these other related blogs:***  - [So You Want to Take Your Kids to Disney World: How Much to Save and How to Do It](https://rmcu.net/blog/so-you-want-to-take-your-kids-to-disney-world-how-much-to-save-and-how-to-do-it) - [Budgeting Your Money Doesn't Have to Stink! Try These Ideas to Make Budgeting Easier](https://rmcu.net/blog/budgeting-your-money-doesnt-have-to-suck-try-these-ideas-to-make-budgeting-easier) - [Creative Ways to Save for College](https://rmcu.net/blog/creative-ways-to-save-for-college) [![Subscribe To Our Blog!](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/2687142/dda73c99-1639-4c70-8bd2-a6d699cfcee5.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/2687142/dda73c99-1639-4c70-8bd2-a6d699cfcee5)       ##### Rocky Mountain Credit Union Share the Love [mailto:?subject=Perks%20You%20Should%20Be%20Taking%20Advantage%20of%20at%20Your%20Credit%20Union&body=https%3A%2F%2Frmcu.net%2Fblog%2Fperks-of-credit-unions](mailto:?subject=Perks%20You%20Should%20Be%20Taking%20Advantage%20of%20at%20Your%20Credit%20Union&body=https%3A%2F%2Frmcu.net%2Fblog%2Fperks-of-credit-unions) You May Like These ## Related Articles ![](https://rmcu.net/hs-fs/hubfs/RMCU-banks-vs-credit-unions-update-blog1.jpg?width=700&name=RMCU-banks-vs-credit-unions-update-blog1.jpg) Financial Literacy ### [Credit Unions vs. Banks: Which is Right For You?](https://rmcu.net/blog/credit-unions-vs.-banks-which-is-right-for-you) What does it mean to be a credit union person? Here are a few signs that opening an account at a cre... Keep Reading ![](https://rmcu.net/hs-fs/hubfs/RMCU-Banks-vs-credit-unions-blogHeader.jpg?width=700&name=RMCU-Banks-vs-credit-unions-blogHeader.jpg) Financial Literacy ### [Credit Unions vs. Banks](https://rmcu.net/blog/credit-unions-vs.-banks-2) When it comes to choosing a place to keep your money, take a look at a few of the ways credit unions... Keep Reading ![](https://rmcu.net/hs-fs/hubfs/RMCU_how_to_choose_your_first_bank_or_credit_union_Blog-03-1.jpg?width=700&name=RMCU_how_to_choose_your_first_bank_or_credit_union_Blog-03-1.jpg) Financial Literacy ### [How to Choose Your First Bank or Credit Union](https://rmcu.net/blog/how-to-choose-a-bank-or-credit-union) Choosing where to put your money starts with choosing a financial institution that fits with you and... 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