Financial Notices

credit union? where can i find a credit union in chicago, il. I heard they would have the best interest rates on cd, is that true? Please give me the adress if you can or a phone number. thank you

What is the diffrence between a credit union and a bank? What are the advatges and disavantage and beniffites of both? The only thing that is that my bank "BB*T" is extreamly close to my house like walking distance but my credit union wich I am thinking of joining "Fairfax Credit Union" is about 10-15 miniutes from my house so what would you advice me to do? Stay with my bank or move to the credit union or keep my bank and just open a new account with my credit union? Like what are the advatges over a credit union then a bank?

How can I open an account with a credit union if my employer is not affiliated? I live in Georgia. I have savings and checking accounts with 2 major banks but I always wanted to open an account with a credit union to take advantage of low intrest rates, low checking fees, etc. I heard the only way you can open an account with a credit union is if your employer, church or social organization is a member with that particular credit union. The only problem is I don't belong to or work for anyone or anything that is afflilated with a credit union. Are there any credit unions that allow membership from outsiders or can you only get an account with them if you "belong" to a company or orgaization that has an account or affilation?

What credit union will refinance a car loan with credit score 570? I am with Patelco credit union and you have practically jump thru hoops to do ANYTHING. I can't even get a check card without them runnin my credit report. My account is in good standing. Only reason I openned is to establish a relationship to get a loan, but if I can't get a check card what else can I do?

What is the difference between a Federal Credit Union and a Bank? They just announced a Federal Credit Union open to anyone in my city (rather than one tied to a specific company). So What is the difference between a Federal Credit Union and a Bank? Are there any advantages and/or disadvantages to a Federal Credit Union over a Bank?

What is the difference betweena credit union and a bank? What is the difference between opening an account at a credit union and opening an account at a regular bank. Also if I have an overdran account at one bank and try to open another account at a credit union will I be able to?

What is the major differences between a credit union and a bank? I have a checking and savings with a credit union that my mom set up for me when I was a child but now am looking to get a joint checking account. Should I go with a credit union or bank?

What are the benefits and disadvantages of joining a credit union? I was considering joining a credit union. The credit union is offered through one that my company has indirect ties with in the same industry. I would like to know what are the benefits of joining a credit union for an average person? Also what are the downfalls to belonging to one?

What are the advantages of a credit union over a regular bank? I just got a job with the state and my aprents keep telling me to join a credit union for gov't employees. Why? What are the advantages? Should I keep my old bank acct too?

How does being financed through a credit union work? Could I tell the credit union people how much I am willing to put down on a vehicle in order to get financed?

How does a credit union work? I went to go buy a car today but the interest rates were ridiculous. My mom told me that i can get no higher than an 8% interest rate if i financed the car through the credit union with the store that i work at. She did the same thing for her car and the credit union financed the car at a 6.5% interest rate which when compared to 25% is not that bad. Are there certain requirements i have to meet before i can get this benefit?

What is a Credit Union, and do I have to pay to join them? Per Clark Howard, to buy a car is best to join a credit union so you get the loan for a lot less than buying directly through the dealership, and or going to a bank. What exactly is a Credit Union, and how do I Join them?

What the dirfference from a regular bank to a credit union? Is a credit union better than a regular bank? I would like to know the advantages and disadvantages. I have heard that a credit uinon is better but I don't see how? If it is better should I go ahead and open an account as well keep my other regular bank account open?

What is the best credit union for me to join? What is the best credit union for me to join I want a car loan and I live in charlotte, N.C.

I have bad credit and want to buy a repo at my credit union, any suggestions on how to get a loan? I already contacted the credit union, they wont give me the loan, its a repo for only 2700.00 but I just dont have the credit, does anyone know where you can get a small loan for someone with really bad credit? Thanks for your help!

How to get a debit card from my credit union? I have tried to obtain a debit card from my credit union but they have denied me saying that I don't have enough credit. Even though I have had my account for almost a year, never "bounced" a check and always have at least $100.00 in my checking at all times . Should I switch credit unions? What am I doing wrong? Yes, they actually DID have me apply for a debit card, not a credit card. I am well over 18... I am actually 30. I have very little credit due to never getting credit cards or having bills in my name. I have wrote well over 300 checks and never "bounced" a single one and always have at least $100.00 in the checking at all times. But shouldn't my good standing with the credit union be enough?

Are there advantages to having a credit union as your financial institute rather than a bank? I would like to know if there are advantages to having your money in a credit union rather than a bank.

Is Credit Union a credit card company or a banking company? Does anyone know if you can apply for credit union online?If so what's the website?

What is the best credit union to join? My work takes me to every state in the country so I can literally join any credit union I want, tell me what the best credit union is.

Is it illegal for a credit union employee to tell people about a members financial transactions? An employee at my credit union has been gossiping about my financial transactions. Who can I file a complaint with? Would it be the board members or is there somewhere higher I can go? Thanks.

Does a Credit Union have the right to change your interest rate from what is in your contract? I was an Assistant Branch Manager at a small town credit union while my husband was working in the town. We refinanced our vehicles through them at a low interest rate and maybe a year later, we found out that we were being relocated. Approx 3 months later we got a letter in the mail saying that since I was no longer an employee and since we had moved out of state, they were raising our interest rate by 8%!!! Is that legal? I've never heard of that before, and I just got a new statement from them...the rates are horrible and we are planning to refinance here locally, but still wonder if the rate change was justified? Can someone please shed some light? Even though we are out of state...we still DO have a savings account with the Credit Union and a Christmas account and there is nothing in the contract allowing for a change of interest rates....the reason for my question. There was also no mention of interest rates changing prior. I never ran into a situation where someone's interest rate changed the entire time I was there. We have never missed nor been late on a payment and I see no reasoning for this...Thank you for all!!!! I am looking at the contract...I see nothing in here about it.... Are we talking about an employment contract, or the Security Agreement? I would have to get a copy of the employment contract faxed over...I don't ever remember anything in there about it either...

Should I keep my checking and savings account with Chase bank or switch to a credit union? I currently have a savings and checking account with Chase. My parents are both members of a Metro Federal Credit Union here in Columbus because my dad is a federal employee. My dad told me his rates are lower and the credit union is a lot less greedy since it is a not-for-profit organization. He also says the rates are a lot less than a regular bank. What do you think? Do any of you have experience with banks and credit unions? Thanks so much!

What is the salary range of a credit union teller? What is the salary range of a credit union teller that has 4 yrs. of previous teller experience in the NY/NJ area? Is $15 per hr. unreasonable?

How much does an entry level marketing coordinator make at a Credit Union? I am going in for a second interview for an entry level marketing coordinator position at a Credit Union. How much can I expect to be roughly paid? Total assets are around $600,000,000 if that helps.

The credit union is not amortizing my car loan correctly is this a violation of my rights? I have recently gone over my payment recipits and found that several months the credit union has amortized my loan correctly, they are taking out more interest from the payment than what they are supposed to. I am wondering if this is a violation to my rights and if there is any legal ramification for this?

Can I safely open a savings account at a Credit Union when I have a restraining order on another bank? The restraining order is on a different savings account from a different bank for a judgement against me for a defaulted car loan.I want to know if I am able to open a savings account with another credit union and if my paycheck being direct deposited into it will be safe.

What recourse do I have when the credit union cashed the check but did not follow the instructions? I wrote a check for 8 auto loan payments. On the back, I wrote, "Cashing of this check represents 8 payments. Do not deposit to savings account. Next due June 15, 2007" The credit union did not follow the instructions and instead, credited one payment and put the balance in my savings account -- exactly what I wrote down not to do. Since they cashed the check, don't they have to follow the instructions I wrote on the back? This is in California.

How to obtain an auto loan from a bank/credit union? I am planning on buying a new car from a dealer in the near future. I would rather take a loan from my credit union. What are the steps in obtaining the loan? Do I just go to the CU and get a approved for a certain ammount, find a car in that range, then have the a dealer draft the bank or do you need to have a fixed price and car when you go to the CU? Any help on the correct process is appreciated!

What is the difference between a credit union bank and just a regular bank? i have a credit union bank and never really knew what the difference was between the two and if there are any benefits

What are the advantages or disadvantages of using a credit union v. a regular bank? I've been banking at my credit union since undergrad, and I'm not sure if it's time for me to move my money to a regular bank. I also just started a Roth IRA with my credit union, who uses CUSA for their mutual funds- was that a mistake?

What is the difference between A credit union and a normal bank? Ok i wanted to know the difference between these 2. I am looking to start a checking account and my gf suggests to try a bank like wamu and my mom suggests to join a credit union. Whats the difference? and benefits? Note: I know about the recent wamu change

How easy is it to get approved for car loan at credit union? I have been banking with them for about 4 years. I don't have all that much credit in general, but I have consistently paid all of my bills on time. I was wondering about experiences others have had getting an auto loan at a credit union.

What is the difference between a credit union and a regular checking account (USA)? Do credit unions have ATMs and do the ATM cards work everywhere as in a regular checking account? What is the advantage of having a Credit Union account as a checking account as opposed to what I have now which is a regular bank account? Thanks

What are the general credit requirements to work at a bank/credit union? I had an interview today for a financial services position at a local credit union. the interview when spectacularly, I was the first of 4 candidates to be interviewed, but it was made known I had done very well and would like get an offer. I'm very interested in the job and loved the people I met there. However, towards then end of the interview they had mentioned you needed good credit to work there. If my credit isnt that great, roughly 580 score, with a defaulted student loan and minimal recent credit history, am I basically disqualified? What minimums do financial institutions look for, if I'm not going to be qualifie because of this, I would like to extend the courtesy of notifying them I am withdrawing my application from consideration. If anyone out there in banking HR has a good answer, I would truly appreciate it!

Does using a credit union help your credit more than using a bank? I am moving to a place where my current (sucky) bank does not have any branches. I heard that having a credit union account will help your credit score far more than a bank account will. Is this true?

what are the advantages/disadvantages of using a credit union vs a commercial bank? I'm at a crossroads right now as far as choosing a bank for a checking account, a general savings account, and a IRA account. I know that I should look at fees, stipulations, and APRs but I really want to know the pros and cons of a commercial bank vs a credit union.

How long should I wait after opening a credit union account should I wait to ask for an auto loan? I have had checking accounts now for about 10 ten years, but never at a credit union. I didn't know if there is a period of time that you should wait, since I just opened it, or go right for it.

Why do I have to wire transfer my money to a bank through credit union? I wire transfered my money to my friend's small regional bank. And when I did the process, I have to credit the money to another credit union first and then transfer to my friend's bank account. I am just curious why? The small regional bank can not be wire transferred directly because it is small bank to operate that kind of transaction? Someone please teach me!

Is there an advantage to being a member of a credit union? I'm not sure whether it matters if my credit isn't very good or not? Working with the company I'm currently employed at, I'm able to join a particular credit union for free. Will there be an advantage or should I stay with my current bank?

How can you find out if a credit union in your area is legit? The credit union in question is FDIC insured.

which credit union is the best to get a mortgage loan from? i would like to buy a house this year but I have never done that before. I have been told that going through a credit union is better than bank of america, which is where i have my accounts right now. so i've been looking up credit unions to open an account with, just wanted to know if they were all the same, or if some were better than others. if you have any advice on buying a house for the first time, that would be nice too.

What test do you have to take in order to work at a credit union? I am applying to work at a credit union and they said they require you to pass a test before you can be hired. Does anyone know which test this could be or does anyone have an idea of where I can find a practice test online? thank you in advanced.

How long should it take a check to be released so you can use the funds at a credit union? I have a checking account at a credit union in Kansas and they hold the checks I deposit for 10 days before they release the funds. Is that actually legal? Sometimes they only do it for 5 days and sometimes not, even when the checks are from the same bank over and over. Is there a law somewhere that sets a standard? I thought most funds were always released within 48 hours.

I recently moved out of state. How can I deposit a check to my credit union account back home? If I were to endorse (sign) the checks and mail them to the credit union, it would be like mailing cash pretty much, wouldn't it?

Do I need to fill out a FAFSA to take out loans from a credit union? My tuition is due July 30 and I still haven't filled out my FAFSA for the 2008-2009 school year. I am just wondering if I will still be able to take out loans through my credit union. Also- if I need to fill out a FAFSA, would I be better off taking out loans with the government or through the credit union?

what are the benifits of banking with a credit union? think my ex is hacking into my online bank account. i will be closing these accounts and someone recommened to me that i should go with a credit union. is this right and if so, what are the benefits and is there a certain one i should go with?

Should I apply for a new Credit Card from my credit union? I have been building my credit back up after a few late payments a couple years ago, nothing major just a few 30 and 60 day late. Since I have started I have brought it up about 80 points (from 576 to about 656). I got a secured card last summer and they just released my deposit and raised the limit(1500 limit), I also have a gas card (850)and a store credit card(2000). Should I add another credit card from my credit union to help my score continue to rebound. I don't have any inquires this year. The gas card is 10 years old, and the store credit card I got in Dec 2006(the last inquiry). All of these accounts have perfect payment history. What should I do, I seems my credit has hit a ceilings all of a sudden, It hasn't gone up in two months. The balances are all very low, under 25%.

Is there a benefit to belonging to a credit union vs. an bank? I have had an account at the credit union for years and kept the minimum amount in there to keep it open. I switched my savings accounts to higher interest online banking (LMK if you want a $25 referral to INGDirect)... off topic. Anyway is there a point to keeping my credit union account open if I have a checking account at another bank and my savings online?

are credit union good for people with bad credit? Im in quite a debt but handling it very well, however im being rejected now when applying for any credit card. if i apply at a credit union, will they accept me and give me a unsecured credit card (with a good limit, not $500 or less) Can they also give me a loan? my bank won't give me a loan because i have too many cards with high balances.... also, do i have to pay any membership fees at credit union?