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jump to last post 1-4 of 4 discussions (4 posts)

What do you prefer to use Credit Union or Bank?

  1. chan0512 profile image63
    chan0512posted 7 years ago

    What do you prefer to use Credit Union or Bank?

    I have done some research and it seems CU has less fees. What do you think?

  2. BaliMermaid profile image56
    BaliMermaidposted 7 years ago

    Previous to two years ago there was a significant difference between using a Credit Union and a Bank.  As a member of a credit union there were almost always special benefits, discounts and programs for saving and investing that were not available at a bank.

    In my experience those days are pretty much over, at least until the economy in the USA improves. Both types of institutions are shut a tight as a clam as far as doing what banks and credit unions are supposed to do; lend money to their depositors.

    So the choice is yours. Generalizations are never correct so compare the available credit unions to the banks available in your are and make an informed decision without being influenced by advertising or slick promises.

  3. Amanda Severn profile image97
    Amanda Severnposted 7 years ago

    Depends on where you live, what Credit Unions are in your area, and what your motivation is for making the move. Credit Unions are usually co-operatives, so any profits are either re-invested or returned to the members as dividends. This is in stark contrast to the banks, where profit is a major motivation, and bank bosses and share-holders are the first in line for bonuses and dividends.

    Check out your local Credit Union and find out what's on offer before you make the move. Make sure that your savings are guaranteed secure in the event of any financial failure. Ask for a breakdown of fees, then, if you like the answers you're getting, open an account.

  4. profile image51
    adissonalexposted 5 years ago

    I have used both of them, but found credit union a better option. The credit union in my area, Greater Central Texas Federal Credit Union  provided me car loan at very affordable rate of interest. What more can one ask for!!!

 
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