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Credit Union Article

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´╗┐The Many Things of a Credit Union

Many times when people want to open up a savings account or checking account, most people are only thinking about taking their money to a bank or financial institution other than a credit union. However, in the past years, credit unions have out done themselves and had shown people that they are trust worthy just like banks are!

When it comes to comparing a bank with a credit union, there are not that many differences between them. In fact, many people do not even know there are differences between them!

However, one of the main differences between a bank and credit union is the type of backing they have, such as with the insurance companies. Another really noticeable difference about a credit union is that a credit union usually has higher interest rates on savings account and lower interest rates on loans whereas a bank is opposite.

Another noticeable difference is that a credit union is a financial institution that is owned and controlled by the members within. Also, as for the board of the credit union, the members elect them (without taking in consideration how much money the person has).

When opening an account at a credit union, it is then that you will see all the many things that you can do with your money! In fact, many people are very surprised that a credit union is quite comparable to a bank, as for banking purposes.

Some of the many important, everyday services that most credit unions offer are checking accounts (single, joint or business), savings accounts, home mortgages, vehicle loans, credit cards, share certificates and many also offer online banking.

Some of the optional services that a credit union has to offer are coin cashing in, money orders, and check cashing and money clubs (such as Christmas clubs, IRA's and funeral savings).

Many people consider using a credit union over a bank or other type of financial institution because they consider it to be more personable than a bank. In fact, many people say that would bank at a credit union simply because of the fact that it is owned by its members; therefore, they believe it is a happier environment.

No matter what you do with you money, where you choose to take, one of the biggest choices you will have to make is whether you go to a credit union or a regular bank. However, you should not make that choice until you have searched all your options and you know everything you have to know about credit unions, and what they have to offer versus a bank.