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Our members save an average of $454/year just by banking with us vs. a bank. 

Discovery FCU is more than just a place you bank. We’re your neighborhood credit union that puts our members first. We’re strong supporters of the credit union movement and the philosophy of people helping people. We genuinely want to help our members and provide them with the education, support, and guidance to build strong, independent financial futures.

We are dedicated to serving our members with personal attention, dedication, and professionalism during each and every interaction. And, we strive to exceed our members’ expectations through constant innovation and continuous improvement.

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“Great service and we will continue to use the credit union for loan services. 😊”

What is a Credit Union?

Credit Unions are cooperative financial institutions, chartered by the state or federal government, and owned and controlled by our members. (Discovery is chartered by the federal government) We are not-for-profit organizations, created to provide our members with financial services at reasonable rates. This is important because this unique way of doing business allows us to put our members’ needs first.

That’s the Credit Union Difference. We answer to our members, not investors. All members, all the time.

The Credit Union Difference

Below are the many ways credit unions are different from banks. Join the Discovery FCU family today to start reaping the benefits of credit unions.



  • At credit unions, our members are our owners. We answer to our members, not investors, and each member has an equal part ownership.
  • Each member of a credit union, regardless of how much money they have on deposit, has one vote in electing board members. Members can also seek election to the board.
  • You can find and use a fee-free ATM or credit union branch in more locations than any one bank. Credit Unions work together in a network cooperative, or CO-OP.
  • Credit unions are not-for-profit financial cooperatives that pay their members back with higher savings rates and lower loan rates.
  • In the entire history of U.S. credit unions, taxpayer funds have never been used to bail out a credit union.
  • Credit union deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a branch of the federal government, which is backed by the “full faith and credit” of the U.S. government.


  • A bank is owned by investors or shareholders, their goal is to earn a profit. Customers have no ownership of the institution.
  • Shareholders nominate and vote for a bank’s board members. The more shares an investor has, the more influence they have on the vote. Customers have no vote for the board.
  • Banks charge extra fees for non-customers and do not share resources. Customers are limited to one institution’s branch locations and ATMs to avoid fees.
  • Banks are corporations whose main goal is making a profit. A bank’s declared earnings are paid to their stockholders only.
  • Taxpayer dollars have been used to “bail out” banks in recent years as well as past decades in the U.S.
  • Bank deposit accounts are insured up to $250,000 by the Federal Deposit Insurance Corporation (FDIC), a branch of the federal government, which is backed by the “full faith and credit” of the U.S. government

Why Choose Discovery FCU?

At Discovery FCU, we’re dedicated to making the experience of banking with us friendly and engaging. We’re a family, and the time we spend together is full of support, collaboration and camaraderie. We’re 100% dedicated to the member experience and helping our members, our neighbors, our community, our families and everyone we come in contact with. And, this dedication shines through in everything we do. Learn More About Us.

Credit Union Membership Eligibility

Discovery FCU is a community credit union serving all of Berks County, PA. If you live, work, worship or attend school in Berks County, you’re eligible to become a member.

Family Membership

Immediate family members of existing credit union members (spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, stepsiblings and adoptive relationships) are also eligible to join.


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