{"id":18964,"date":"2022-12-09T15:38:47","date_gmt":"2022-12-09T22:38:47","guid":{"rendered":"https:\/\/www.iccu.com\/membership\/la-diferencia-de-la-cooperativa-de-credito\/"},"modified":"2025-11-05T17:19:17","modified_gmt":"2025-11-06T00:19:17","slug":"credit-union-difference","status":"publish","type":"page","link":"https:\/\/www.iccu.com\/es\/membership\/credit-union-difference\/","title":{"rendered":"La diferencia de la cooperativa de cr\u00e9dito"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading alignwide is-style-h2 has-green-color has-text-color\" id=\"h-member-owned\">Propiedad de miembros<\/h2>\n\n\n\n<p class=\"is-style-wide has-lg-font-size\">En ICCU te habr\u00e1s dado cuenta de que no te llamamos cliente, sino socio. Como las cooperativas de cr\u00e9dito tienen ciertos requisitos para abrir una cuenta, tambi\u00e9n te conviertes en propietario de la cooperativa. Adem\u00e1s, una cooperativa de cr\u00e9dito tiene un consejo de administraci\u00f3n que son voluntarios no remunerados que ayudan a guiar la direcci\u00f3n de la cooperativa de cr\u00e9dito.<\/p>\n\n\n\n<p class=\"is-style-wide has-lg-font-size\">Si a\u00fan no eres miembro de ICCU, \u00a1deber\u00edas serlo! Nos encantan nuestros afiliados y ayudarles a alcanzar el \u00e9xito financiero. \u00a1Af\u00edliate hoy mismo!<\/p>\n\n\n\n<div class=\"wp-block-buttons alignwide is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.iccu.com\/es\/membership\/\">Af\u00edliate<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-group alignfull\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading alignwide is-style-h2\" id=\"h-high-service-expectations\"><strong>Altas expectativas de servicio<\/strong><\/h2>\n\n\n\n<p class=\"has-lg-font-size\">En la mayor\u00eda de las cooperativas de cr\u00e9dito, y especialmente en ICCU, centramos nuestros esfuerzos en ofrecerte un servicio excepcional para ti y tus necesidades bancarias. Las cooperativas de cr\u00e9dito se centran en los socios porque son una organizaci\u00f3n sin \u00e1nimo de lucro. Entienden que, como la cooperativa de cr\u00e9dito es propiedad de sus socios, es importante tratarlos bien. <a href=\"https:\/\/www.iccu.com\/es\/contact\/\">Ponte en contacto con nosotros<\/a> o visita una sucursal local de ICCU y te recibiremos con una sonrisa. \u00a1Es un placer servirte!<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-primary-small\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.iccu.com\/es\/locations\/\">Ver sucursales<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading alignwide is-style-h2 has-green-color has-text-color\" id=\"h-low-rates-amp-fees\"><strong><strong>Tarifas y comisiones bajas<\/strong><\/strong><\/h2>\n\n\n\n<p class=\"is-style-wide has-lg-font-size\">Una de las mejores ventajas de operar con una cooperativa de cr\u00e9dito es que, al no tener \u00e1nimo de lucro, podemos obtener beneficios y devolverlos a los socios a trav\u00e9s de tasas m\u00e1s bajas en los pr\u00e9stamos, tasas m\u00e1s altas en los dep\u00f3sitos y comisiones m\u00ednimas o nulas en tus cuentas. ICCU se enorgullece de ofrecer comisiones bajas, o ninguna, a sus miembros. Sabemos que ver una comisi\u00f3n en tu cuenta y preguntarte por qu\u00e9 la tienes es molesto y caro. A diferencia de los bancos, no tenemos letra peque\u00f1a ni comisiones ocultas.<\/p>\n\n\n\n<div class=\"wp-block-buttons alignwide is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.iccu.com\/es\/accounts\/\">Abrir una cuenta<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-link\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.iccu.com\/es\/rates\/\">Ver tarifas<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-group alignfull\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading alignwide is-style-h2\" id=\"h-make-the-switch\"><strong><strong>Haz el cambio<\/strong><\/strong><\/h2>\n\n\n\n<p class=\"has-lg-font-size\">Ahora que sabes un poco m\u00e1s sobre la diferencia entre un banco y una cooperativa de cr\u00e9dito, \u00bfa qu\u00e9 esperas? Una vez que seas socio de ICCU, disfrutar\u00e1s de todos nuestros magn\u00edficos productos, servicios y herramientas para ayudarte a alcanzar el \u00e9xito financiero. \u00a1Empecemos!<\/p>\n\n\n\n<div class=\"wp-block-buttons alignwide is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.iccu.com\/es\/membership\/switch\/\">Haz el cambio<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"410\" height=\"313\" src=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2023\/02\/Credit-Union-Difference_High-Service.webp\" alt=\"\" class=\"wp-image-5919\"\/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Propiedad de miembros En ICCU te habr\u00e1s dado cuenta de que no te llamamos cliente, sino socio. Como las cooperativas [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":33046,"parent":18944,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"product-detail-page.php","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"class_list":["post-18964","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.8 (Yoast SEO v26.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>La diferencia de la cooperativa de cr\u00e9dito - ICCU<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.iccu.com\/es\/membership\/credit-union-difference\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La diferencia de la cooperativa de cr\u00e9dito\" \/>\n<meta property=\"og:description\" content=\"Propiedad de miembros En ICCU te habr\u00e1s dado cuenta de que no te llamamos cliente, sino socio. Como las cooperativas [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.iccu.com\/es\/membership\/credit-union-difference\/\" \/>\n<meta property=\"og:site_name\" content=\"ICCU\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/IdahoCentralCreditUnion\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-06T00:19:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2025\/11\/Kennewick-Branch-blog-2025.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"990\" \/>\n\t<meta property=\"og:image:height\" content=\"775\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@Idaho_Central\" \/>\n<meta name=\"twitter:label1\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.iccu.com\/es\/membership\/credit-union-difference\/\",\"url\":\"https:\/\/www.iccu.com\/es\/membership\/credit-union-difference\/\",\"name\":\"La diferencia de la cooperativa de cr\u00e9dito - ICCU\",\"isPartOf\":{\"@id\":\"https:\/\/www.iccu.com\/es\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.iccu.com\/es\/membership\/credit-union-difference\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.iccu.com\/es\/membership\/credit-union-difference\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.iccu.com\/wp-content\/uploads\/2025\/11\/Kennewick-Branch-blog-2025.webp\",\"datePublished\":\"2022-12-09T22:38:47+00:00\",\"dateModified\":\"2025-11-06T00:19:17+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.iccu.com\/es\/membership\/credit-union-difference\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.iccu.com\/es\/membership\/credit-union-difference\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\/\/www.iccu.com\/es\/membership\/credit-union-difference\/#primaryimage\",\"url\":\"https:\/\/www.iccu.com\/wp-content\/uploads\/2025\/11\/Kennewick-Branch-blog-2025.webp\",\"contentUrl\":\"https:\/\/www.iccu.com\/wp-content\/uploads\/2025\/11\/Kennewick-Branch-blog-2025.webp\",\"width\":990,\"height\":775,\"caption\":\"ICCU's new Kennewick Branch in Washington\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.iccu.com\/es\/membership\/credit-union-difference\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.iccu.com\/es\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Hazte miembro\",\"item\":\"https:\/\/www.iccu.com\/es\/membership\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"La diferencia de la cooperativa de cr\u00e9dito\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.iccu.com\/es\/#website\",\"url\":\"https:\/\/www.iccu.com\/es\/\",\"name\":\"ICCU\",\"description\":\"Looking after your daily balance.\",\"publisher\":{\"@id\":\"https:\/\/www.iccu.com\/es\/#organization\"},\"alternateName\":\"ICCU\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.iccu.com\/es\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.iccu.com\/es\/#organization\",\"name\":\"ICCU\",\"url\":\"https:\/\/www.iccu.com\/es\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\/\/www.iccu.com\/es\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.iccu.com\/wp-content\/uploads\/2025\/03\/ICCU-logo-2color_696x696.png\",\"contentUrl\":\"https:\/\/www.iccu.com\/wp-content\/uploads\/2025\/03\/ICCU-logo-2color_696x696.png\",\"width\":696,\"height\":696,\"caption\":\"ICCU\"},\"image\":{\"@id\":\"https:\/\/www.iccu.com\/es\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/IdahoCentralCreditUnion\",\"https:\/\/x.com\/Idaho_Central\",\"https:\/\/www.youtube.com\/idahocentralcu\",\"https:\/\/www.linkedin.com\/company\/idahocentralcreditunion\/\",\"https:\/\/www.instagram.com\/idahocentralcu\/\"],\"description\":\"ICCU is a state-chartered credit union in the western United States, headquartered in Chubbuck, Idaho. Whether you\u2019re banking in the branch or banking on the go, ICCU is looking after your daily balance. Get great rates on auto and home loans. Check out our Visa Rewards Cards. Discover more perks with Central Plus Checking. Bank your way with drive-thru, ATM, live video chat, mobile banking. Open Saturdays. We also offer investment, insurance, and business solutions. As a member of ICCU, you\u2019ll have a financial leader that\u2019s helping you achieve financial success. Routing Number: 324173626. NMLS ID: 433926.\",\"email\":\"memberservice@iccu.com\",\"telephone\":\"(800) 456-5067\",\"foundingDate\":\"1940-06-28\",\"taxID\":\"82-0217065\",\"duns\":\"108135278\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"1001\",\"maxValue\":\"5000\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"La diferencia de la cooperativa de cr\u00e9dito - ICCU","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.iccu.com\/es\/membership\/credit-union-difference\/","og_locale":"es_ES","og_type":"article","og_title":"La diferencia de la cooperativa de cr\u00e9dito","og_description":"Propiedad de miembros En ICCU te habr\u00e1s dado cuenta de que no te llamamos cliente, sino socio. Como las cooperativas [&hellip;]","og_url":"https:\/\/www.iccu.com\/es\/membership\/credit-union-difference\/","og_site_name":"ICCU","article_publisher":"https:\/\/www.facebook.com\/IdahoCentralCreditUnion","article_modified_time":"2025-11-06T00:19:17+00:00","og_image":[{"width":990,"height":775,"url":"https:\/\/www.iccu.com\/wp-content\/uploads\/2025\/11\/Kennewick-Branch-blog-2025.webp","type":"image\/webp"}],"twitter_card":"summary_large_image","twitter_site":"@Idaho_Central","twitter_misc":{"Tiempo de lectura":"3 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.iccu.com\/es\/membership\/credit-union-difference\/","url":"https:\/\/www.iccu.com\/es\/membership\/credit-union-difference\/","name":"La diferencia de la cooperativa de cr\u00e9dito - ICCU","isPartOf":{"@id":"https:\/\/www.iccu.com\/es\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.iccu.com\/es\/membership\/credit-union-difference\/#primaryimage"},"image":{"@id":"https:\/\/www.iccu.com\/es\/membership\/credit-union-difference\/#primaryimage"},"thumbnailUrl":"https:\/\/www.iccu.com\/wp-content\/uploads\/2025\/11\/Kennewick-Branch-blog-2025.webp","datePublished":"2022-12-09T22:38:47+00:00","dateModified":"2025-11-06T00:19:17+00:00","breadcrumb":{"@id":"https:\/\/www.iccu.com\/es\/membership\/credit-union-difference\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.iccu.com\/es\/membership\/credit-union-difference\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/www.iccu.com\/es\/membership\/credit-union-difference\/#primaryimage","url":"https:\/\/www.iccu.com\/wp-content\/uploads\/2025\/11\/Kennewick-Branch-blog-2025.webp","contentUrl":"https:\/\/www.iccu.com\/wp-content\/uploads\/2025\/11\/Kennewick-Branch-blog-2025.webp","width":990,"height":775,"caption":"ICCU's new Kennewick Branch in Washington"},{"@type":"BreadcrumbList","@id":"https:\/\/www.iccu.com\/es\/membership\/credit-union-difference\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.iccu.com\/es\/"},{"@type":"ListItem","position":2,"name":"Hazte miembro","item":"https:\/\/www.iccu.com\/es\/membership\/"},{"@type":"ListItem","position":3,"name":"La diferencia de la cooperativa de cr\u00e9dito"}]},{"@type":"WebSite","@id":"https:\/\/www.iccu.com\/es\/#website","url":"https:\/\/www.iccu.com\/es\/","name":"ICCU","description":"Looking after your daily balance.","publisher":{"@id":"https:\/\/www.iccu.com\/es\/#organization"},"alternateName":"ICCU","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.iccu.com\/es\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Organization","@id":"https:\/\/www.iccu.com\/es\/#organization","name":"ICCU","url":"https:\/\/www.iccu.com\/es\/","logo":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/www.iccu.com\/es\/#\/schema\/logo\/image\/","url":"https:\/\/www.iccu.com\/wp-content\/uploads\/2025\/03\/ICCU-logo-2color_696x696.png","contentUrl":"https:\/\/www.iccu.com\/wp-content\/uploads\/2025\/03\/ICCU-logo-2color_696x696.png","width":696,"height":696,"caption":"ICCU"},"image":{"@id":"https:\/\/www.iccu.com\/es\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/IdahoCentralCreditUnion","https:\/\/x.com\/Idaho_Central","https:\/\/www.youtube.com\/idahocentralcu","https:\/\/www.linkedin.com\/company\/idahocentralcreditunion\/","https:\/\/www.instagram.com\/idahocentralcu\/"],"description":"ICCU is a state-chartered credit union in the western United States, headquartered in Chubbuck, Idaho. Whether you\u2019re banking in the branch or banking on the go, ICCU is looking after your daily balance. Get great rates on auto and home loans. Check out our Visa Rewards Cards. Discover more perks with Central Plus Checking. Bank your way with drive-thru, ATM, live video chat, mobile banking. Open Saturdays. We also offer investment, insurance, and business solutions. As a member of ICCU, you\u2019ll have a financial leader that\u2019s helping you achieve financial success. Routing Number: 324173626. NMLS ID: 433926.","email":"memberservice@iccu.com","telephone":"(800) 456-5067","foundingDate":"1940-06-28","taxID":"82-0217065","duns":"108135278","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"1001","maxValue":"5000"}}]}},"_links":{"self":[{"href":"https:\/\/www.iccu.com\/es\/wp-json\/wp\/v2\/pages\/18964","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.iccu.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.iccu.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.iccu.com\/es\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.iccu.com\/es\/wp-json\/wp\/v2\/comments?post=18964"}],"version-history":[{"count":7,"href":"https:\/\/www.iccu.com\/es\/wp-json\/wp\/v2\/pages\/18964\/revisions"}],"predecessor-version":[{"id":33065,"href":"https:\/\/www.iccu.com\/es\/wp-json\/wp\/v2\/pages\/18964\/revisions\/33065"}],"up":[{"embeddable":true,"href":"https:\/\/www.iccu.com\/es\/wp-json\/wp\/v2\/pages\/18944"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.iccu.com\/es\/wp-json\/wp\/v2\/media\/33046"}],"wp:attachment":[{"href":"https:\/\/www.iccu.com\/es\/wp-json\/wp\/v2\/media?parent=18964"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}