Credit Unions Put People Over Profits to Outperform Banks in 2026 Satisfaction Survey

Today is I Love My Credit Union Day and we’re celebrating all the reasons why credit unions consistently outperform banks in terms of satisfaction, which results in more satisfied members. According to the J.D. Power 2026 U.S. Credit Union Satisfaction Study,^SM overall satisfaction among credit union members comes in at 725 in 2026 (on a 1,000-point scale).

The new survey released March 31, 2026 shows that overall credit union satisfaction is 68 points higher than banks. The U.S. Credit Union Satisfaction Study, now in its third year, measures member satisfaction with the 29 largest credit unions in the continental United States.

LESS FEES. LOWER PAYMENTS. BUT MEMBERS DO PAY US COMPLIMENTS.

At Heritage Valley, we’ve always made member satisfaction our top priority and that’s why we, like other credit unions outrate banks. The 2026 survey measured member satisfaction from 10,386 members across seven dimensions (in order of importance):

Trust
People
Allowing members to bank how and when they want
Account offerings; saving time and money
Digital channels
Resolving problems or complaints

It also found the overall member satisfaction score for credit union digital channels is 45 points higher than retail bank digital channels. The data also shows credit unions of every size positively impact households in a way that banks do not, with the majority of loans going to households.

“Prized for their low fees, personalized service and great interest rates, credit unions have historically outperformed retail banks in overall customer satisfaction,” said Dann Allen, senior director of banking and payments intelligence at J.D. Power. “Top-ranked credit unions perform significantly better than banks in trust-related actions such as supporting members and providing convenience. While digital is a risk for the industry, the study shows that many credit unions are overcoming that challenge.”

OUR MEMBERS THINK OUTSIDE THE BANK.

For over 90 years, in addition to highly rated personal service, Heritage Valley has made advances in technology a priority for our members. In fact, our Mobile App is rated 4.9 out of 5 stars in the Google Play Store and 4.8 out of 5 stars in the App store.

Our website is also highly rated and user friendly. With a quick visit online, you can open accounts, check for the latest auto or home equity rates and even apply for loans for quick answers and turnaround. By making banking effortless through everything from the most advanced digital banking technology to our highly rated personal service, this will enable our growth over the next 90 years. We’re proud to be the oldest credit union founded in York County and we say here’s to the next 90 Years of Heritage for our members.

GET BANKING THAT FEELS LIKE WINNING.

Get started today down the road of better interest rates, lower fees and a higher level of satisfaction with your financial institution including rewards! Love My Credit Union Rewards is a nationwide affinity program that leverages the collective buying power of millions of credit union members to negotiate exclusive, money-saving discounts. Simply by being a credit union member, you gain access to special pricing on everyday services.

Join Heritage Valley, your local York credit union today >