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.

Rabobank Group, founded as a cooperative of Dutch agricultural banks in the late 1800s, the company has some 150 member banks that have more than 1,000 branches in the Netherlands and dozens of subsidiaries around the world that focus on the food, agribusiness, and financial industries. The cooperative's wholesale and international retail banking arm, Rabobank International, has offices in some 30 countries. Other global activities include trade and commodity finance. Rabobank Group also owns California-based Rabobank, N.A., US agribusiness lender Rabo AgriFinance, and Swiss private bank Sarasin. Rabobank Group is owned by its member banks.

PB Capital doesn't know peanuts about sandwiches, but it can help jell your real estate portfolio. A subsidiary of Deutsche Postbank and a member of the Deutsche Post group, the company specializes in commercial real estate services in North America, providing financing for the construction and acquisition of office, retail, industrial, multifamily rental, and residential condominium properties. Its credit investments division deals in the bond, loan, and credit derivatives markets on behalf of large and middle-market corporate clients. PB Capital, which first opened in New York in 1976, also provides interest rate, currency, and asset/liability management services.

AmeriServ Financial offers up a smorgasbord of banking services for Pennsylvanians. The company owns AmeriServ Financial Bank, which primarily serves the southwestern portion of the state through some 20 branches. Targeting individuals and local businesses, the bank offers standard services such as deposits, credit cards, and loans. Commercial mortgages account for more than half of its loan portfolio; other real estate loans, including residential mortgage and construction loans, make up about 30%. One of a handful of unionized banks in the US, AmeriServ also manages union pension funds through its AmeriServ Trust and Financial Services subsidiary, which provides trust and wealth management services as well.

SI Financial Group is the holding company for Savings Institute Bank and Trust Company, a community savings bank serving eastern Connecticut from around 20 locations, including branches within retail stores. In addition to traditional deposit services like checking and savings accounts and CDs, the bank and its subsidiaries offer financial services such as trust services, investment management, retirement planning, and life insurance. Residential and commercial mortgages dominate Savings Institute's lending portfolio, which also includes commercial business and consumer loans. Mutual holding company SI Bancorp owns more than 60% of SI Financial Group.

Provident New York Bancorp is the holding company for Provident Bank, a community-based thrift operating some 35 offices in New York's Hudson Valley region and another in New Jersey operating as Towncenter Bank. Founded in 1888, the bank attracts consumers and business clients by offering traditional deposit products such as checking and savings accounts and CDs; its Provident Municipal Bank subsidiary provides deposit services to area municipalities. The bank uses funds from deposits to originate primarily real estate loans and mortgages. Subsidiary Hudson Valley Investment Advisors provides money management services for institutional and individual investors.

The Saudi financial services firm,Riyad Bank offers retail and corporate banking services, including credit cards, mutual fund products, electronic trade financing, treasury services, and financing for the oil, gas, and petrochemical sector.It also offers women-only branches for female customers The Riyad Bank network includes around 200 national branches and more than 1,500 automated teller machines, as well as international offices in London, Houston, and Singapore.

Aiful Corporation provides consumer, mortgage, and guaranteed loans to individuals and business customers in Japan. Aiful operates via more than 900 domestic branches and specializes in consumer credit, credit cards, and small-to-medium enterprise loans. A network of subsidiaries help shoulder the work, including Life (shopping loans and credit), Businext (small business loans), City's (small business loans), Tryto (unsecured loans), and Wide (unsecured loans). Aiful Corporation got its start in 1978 with four branches offering unsecured consumer loans. Struggling with its own debt repayments, Aiful is working on a restructuring plan which could include branch closures and/or payroll cuts.

The banking division of Hong Kong's Dah Sing Group, DSBG operates three subsidiaries (Dah Sing Bank, Banco Comercial de Macau, and MEVAS Bank), a securities trading company, and a joint venture private banking business with SG Hambros Bank, which provides offshore private banking services. The bank's services include savings accounts, credit cards, loans, and e-banking. Dah Sing Bank has nearly 50 branches in Hong Kong, more than a dozen branches in Macau, and a handful of locations in China. It also owns about 20% of China's Bank of Chongqing, with 70 locations. Fellow Dah Sing Group subsidiary Dah Sing Financial Group owns DSBG.

First Place Financial is the holding company for First Place Bank, which serves businesses and consumers through some 45 branch offices in northeastern and central Ohio and southwestern Michigan. It also operates about 20 loan production offices in Ohio, Michigan, Indiana, and Maryland. The bank offers standard services such as deposits, investments, and loans. Commercial loans -- primarily mortgages -- make up about half of the company's loan portfolio; residential mortgages account for about another third. First Place Financial also operates insurance and title insurance agencies and a real estate brokerage.

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