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M&T Bank is considered one of the country's most highly regarded regional banks. We were founded more than 145 years ago in Western New York, where we are still headquartered. Our parent company, Mand,T Bank Corporation, had over $55 billion in assets as of December 31, 2005 and is one of the 20 largest commercial bank holding companies in the U.S.
Public Service Credit Union (PSCU) is a not-for-profit, state-chartered, member-owned financial cooperative. PSCU members are credit union owners, empowered with the ability to elect the volunteer Board of Directors, and to determine how their credit union is operated. Credit union earnings are returned to members in the form of higher savings rates and lower loan rates. It is our mission to always provide superior products and services in the most friendly and efficient manner possible, with the specific intention of improving the financial well-being of each and every member. PSCU has been safe, secure, and insured since 1938, and today has over $1 billion in assets and more than 137,000 members. A full-service financial institution, PSCU offers an array of financial products and services including savings and checking accounts, loans, mortgages, Internet ebanking, instant loan approval, online bill payment, and more. PSCU members can access their accounts and conduct transactions at its 28 branches, as well as at over 175 CO-OP Shared Branches in Colorado. Also, through its partnership with the CO-OP ATM network, members have surcharge-free access to 30,000 ATMs throughout the country. Federally insured by NCUA. Message & data rates may apply. Equal Housing Lender.
Higher One Holdings partners with colleges and universities to lower their administrative costs and to improve graduation rates. We provide a broad array of payment, refund disbursement and data analytics and management tools to institutions that help them save money and enhance institutional effectiveness. And for students, we offer financial literacy programs and convenient, flexible and affordable transaction options to help them manage their finances. Higher One is a leader in higher education, supporting more than 1,900 schools and 13 million enrolled students.
Originally chartered in 1936, Mass Bay Credit Union is a not-for-profit, full-service financial institution that provides the highest level of service and personal attention to all our Members. Mass Bay Credit Union serves over 18,000 Members, manages over $220 million in assets, and operates under the Credit Union ideal of "People Helping People." We are 100% committed to providing our Members with the best banking value, products and services available, with state-of-the-art technology and unparalleled access. Continually striving to expand and refine our product and service offerings to best meet Members` needs, Mass Bay is also dedicated to offering these services at the most competitive rates and unsurpassed value.
We connect financial institutions, merchants and governments around the world with credit, debit and prepaid products.