
FocalPoint Federal Credit Union is a member-owned, not-for-profit financial cooperative. We provide all the financial services and conveniences you will find at a bank. We offer some very important advantages banks can't. The credit union difference. When you join a credit union, you're not a client you're a member and an owner. Instead of answering to stockholders, we answer to you. And our profits go back to you, in the form of higher yields on savings and better rates on loans.