Some 123 million credit union members around the world will celebrate International Credit Union Day on Thursday, October 20, 2005. As they do, they will celebrate the unique service their credit unions provide and the many ways their families and communities have benefited from the credit union difference.

Credit unions are for everyone, but the law places some limits on the people they may serve. A credit union's charter defines its "field of membership," which could be an employer, church, school, or community. Anyone working for an employer that sponsors a credit union is eligible to join that credit union. Here's how to find a credit union to join: