Univest Corporation of Pennsylvania will keep your money close to its vest. The holding company for Univest National Bank and Trust serves the Keystone State's southeast region. The bank has more than 30 traditional and supermarket branch locations and provides standard retail and commercial banking services. Real estate loans account for nearly 80% of the company's lending portfolio; it also offers business loans, municipal loans, and personal loans. Subsidiaries Univest Capital provides commercial financing, while Univest Investments offers investment advisory services. Univest Insurance offers commercial and personal insurance covering workers' compensation, property, automobiles, life, and health.

Home City Financial is where the heartland is. Home City is the holding company for Home City Federal Savings Bank of Springfield, a two-branch thrift serving Clark County in southwestern Ohio. The bank offers standard deposit products including checking and savings accounts, NOW accounts, individual retirement accounts, and certificates of deposit. Residential mortgages (nearly half of the company's loan portfolio) and commercial real estate loans (almost a quarter) are its primary lending focus; the bank also makes business, consumer, land, construction, and multifamily real estate loans. The company plans to go private through a reverse stock split.

Digital Federal Credit Union (DCU) has more than 15 branch locations in Massachusetts and New Hampshire. Members can also do business online or at some 6,400 credit unions that accept transactions on behalf of DCU. The credit union offers a range of commercial and retail products and services, including savings and checking accounts, Visa credit cards, residential and commercial mortgages, and auto, business, construction, and home equity loans.

Magyar Bancorp is the holding company for Magyar Bank, which serves central New Jersey individuals and businesses through about a half-dozen offices. The bank offers standard deposit products including checking and savings accounts, NOW accounts, and CDs. It uses these funds to originate loans and invest in securities. Magyar Bank focuses on real estate lending, including construction loans, residential and commercial mortgages, and home equity loans, which altogether account for about 90% of its loan portfolio. Mutual holding company Magyar Bancorp, MHC, owns 56% of Magyar Bancorp.

Carolina Trust Bank serves southwestern North Carolina through about a half-dozen locations. It provides a variety of commercial and personal financial services including checking and savings accounts, IRAs, CDs, and credit cards. The bank is mainly a real estate lender, with one- to four-family residential mortgage, commercial real estate, construction, and land development loans comprising most of its portfolio. The company acquired the single-branch Carolina Commerce Bank in 2009. Carolina Trust was founded in 2000.

GrandSouth Bancorporation operates as the bank holding company for GrandSouth Bank that provides commercial banking services to individuals and businesses in South Carolina. Its deposit products include business and personal checking accounts, NOW accounts, savings accounts, money market accounts, term certificates of deposit, and IRA accounts. The companys loan portfolio comprises secured and unsecured, short-to-intermediate term loans with floating and fixed interest rates for commercial, consumer, and residential purposes.

Founded in 1946, Emkay has 10 US offices and is active in Canada, Mexico, and the Caribbean. It operates Unico CarLease in Europe. Emkay is an ehiclevay easerlay. Or for the Pig Latin challenged: Emkay is a vehicle leaser. One of the oldest and largest fleet leasing and management companies in the nation, it leases and manages some 75,000 cars, trucks, and electric vehicles to more than 500 corporate clients. The employee-owned company offers open- and closed-end leasing programs, as well as assistance with fleet purchase and disposal. Other services include maintenance and fuel management, It also operates Emkay Motors, a retail used vehicle outlet in Illinois.

Banco Guipuzcoano (BG) offers a variety of financial services to individuals and businesses, including savings, checking, and credit card services. Financial consultation, asset management, retirement planning, insurance, and investment products are also available; in addition, the bank is active in international business and real estate. Its ASPRO division handles corporate finance. BG, which was founded in 1899, operates nearly 260 branches in the region. The company is merging with larger rival Banco de Sabadell.

Australia and New Zealand Banking Group (ANZ), one of Australia's Big Four banks and New Zealand's top banks, offers commercial and retail banking and financial services from more than 1,300 branches and offices, primarily in Australia, New Zealand, and the Asia/Pacific region. Offerings include standard deposit and lending services, credit cards, wealth management, agribusiness finance and insurance, and foreign exchange services for other financial institutions. The group is active in more than 30 countries including the US, the US, and China. ANZ traces its roots to the 1835 founding of Bank of Australasia.

Citizens Equity First Credit Union (CEFCU) first gained traction in 1937 as the credit union of mammoth equipment manufacturer Caterpillar. Through some 20 branches, CEFCU now serves employees of more than 550 companies and people who live and work in about a dozen counties in central Illinois and portions of northern California. It boasts more than 275,000 members who have access to standard deposit products such as checking and savings accounts and certificates of deposit; loans for education and auto and home purchases; credit cards.

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