What's the difference between a credit union and a bank? It can be hard to tell, sometimes. It's true that credit unions are not-for-profit financial institutions, owned by our members. That's certainly different from a profit-driven bank. Still, Bayonne School Employees FCU offers many of the same services and products as other local banks. So what's the real difference? Well, the answer is simple: Service and Value.  We practice what we preach, and your satisfaction and financial well-being are our number one priorities! Because we are a financial cooperative, the Bayonne School Employees FCU was built on the foundation of people helping people. We do everything we can to make your financial experiences with us convenient and profitable. Bayonne School Employees FCU is an established, trusted, and time-tested institution that has served our members for over seventy five years, and the only reason we've been around so long is because our members are so satisfied.