Credit unions were founded on the principle of "not for profit, not for charity, but for service." The philosophy of "people helping people" is the cornerstone of our movement.
 
Credit Union members share ownership of their credit union, and have democratic control (one Member, one vote). They elect from their membership a volunteer Board of Directors, which appoints the Supervisory Committee that also serves without pay. All credit unions have a limited field of Membership, meaning its Members share something in common, such as where they work or live. That bond makes the eligible for membership.
Credit unions, like other financial institutions, are closely regulated. Credit Unions are regulated by the National Credit Union Share Insurance Fund, administered by the National Credit Union Administration, an agency of the federal government, insures deposits of credit union members up to $250,000.00

A credit union differs from a bank or savings and loan because it operates as a financial cooperative. Rather than paying stockholders dividends, all credit union excess earnings are passed along to its Members in the form of competitive rates, additional products and services, and lower fees. We offer the same financial products as banks, but we do it as a service, not as a source of income. That's why you'll notice that credit union fees are often significantly lower.

What makes Union Pacific CA Employees Federal Credit Union so special?
When you join, you will become an owner of Union Pacific Credit Union. As a UPCU member, you will enjoy warm, friendly service, convenience and affordable rates and fees. But most of all, at UPCU, you will experience what it is like to be “more than just a number.”