Should You Join a Credit Union?
Recently, the average interest rate on a credit union (CU) money market account was 0.75 of a point higher than the bank average; the typical CU credit-card interest rate was nearly 3 points lower than a bank-issued card. "In the long run, that can really add up to savings," says Jan Dahlin Geiger of the Financial Planning Association, who has been a CU member for 35 years. At CUs, which are nonprofit, earnings are returned to the members in the form of lower loan rates or services such as free checking. The one thing you won't save any money on: 30-year mortgage rates. CUs and banks tend to have similar rates. Not sure where to find a CU? Visit www.creditunion.coop or call 800-358-5710. And you may still want to keep a bank account for easier ATM access. |
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