Member Advocacy: Your Voice and Support Matter
Stand up for member-owned banking—join fellow advocates in protecting credit union rights from harmful regulations, educating elected officials about our community impact, and preserving the cooperative difference that benefits all members.
Why Advocacy Matters
Protecting What Makes Credit Unions Different
Credit unions face constant regulatory threats designed for Wall Street banks but applied to Main Street cooperatives. These excessive regulations cost credit unions $7.2 billion annually—over $71 per member—threatening our ability to provide better rates and lower fees. Your voice helps legislators understand why credit unions deserve different treatment than for-profit banks.
$7.2 billion in annual regulatory costs
$71 per member in unnecessary expenses
Regulations meant for Wall Street hurting Main Street
Your voice educates legislators on differences
Collective action protects cooperative banking
What Member Advocates Do
Three Simple Ways to Make a Difference
Being a Member Advocate doesn't require extensive time or political expertise. Through five straightforward actions, you help protect the credit union movement and ensure future generations enjoy member-owned banking benefits. Every letter written and vote cast strengthens our collective voice.
Communicate
with elected officials about credit union importance
Stay informed
on legislation affecting your ownership rights
Join forces
with other advocates for stronger impact
Write letters
when critical issues arise
Vote
to support credit union-friendly candidates
Small actions create big protection.
The Credit Union Difference
Not‑for‑Profit Can Change Things
Understanding what we're protecting starts with knowing how credit unions differ from banks. This fundamental distinction—member ownership versus shareholder profit—drives every benefit you enjoy. When legislators understand this difference, they're more likely to protect it. Here are some key differences between credit unions and banks:
Not-for-Profit
At their core, banks are trying to turn a profit. Credit unions operate in a manner to provide value to its membership.
Ownership
Credit unions are owned by every one of their members; whereas banks are owned by its shareholders.
Fees and Rates
Credit unions seek to provide the lowest fees as possible. This allows them to offer better rates to their members. Banks often have high fees and rates that don’t pass savings onto their account holders.
DFCU's Unique Mission
Advocating for Our Specific Community
DFCU Member Advocates protect more than generic credit union rights—they defend our specific mission to serve members of The Church of Jesus Christ of Latter-day Saints and their community. This focused purpose shapes our products, services, and values in ways that deserve protection and support.
Created in 1955 for Church Employees
Church employee origins shape our mission
Shared values guide our services
Missionary support
Provident living
Advocacy Resources
Tools to Amplify Your Voice
Effective advocacy requires good information and clear communication. We provide resources to help you understand issues and communicate effectively with legislators. These resources make advocacy accessible to everyone.
Why I Love America
A non-partisan movement and not-for-profit organization. Their aim is to encourage citizens to “rekindle a spirit of patriotism and appreciation for God’s hand in the origin and destiny of our nation.”
Credit Union Legislation Issues
Common Sense Regulations
Utah’s Credit Unions Advocacy
CUNA’s Advocacy Briefing
One Share, One Voice, Unlimited Impact
As a DFCU member, you own one share and have one voice—but when combined with 85,000+ fellow member-owners, that voice becomes impossible to ignore. Join our advocacy efforts to ensure credit unions remain free to serve communities with better rates, lower fees, and values-based banking for generations to come.
Become a Member Today
Church members and immediate family members can join the credit union.
