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When trying to decide whether to use a credit union or a bank when applying for a credit card. There are a few factors to consider.
1.) With a credit union you are a member, or a stakeholder. With a bank you are simply a customer. Banks are for-profit institutions and their goal is to make money for the stockholders of the company. A credit union is not-for-profit entity and their goal is pass through the profits to the members. This comes in the form of added member benefits such as low fees and low rates.
2.) Its a misconstrued opinion that credit unions have limited branch and ATM locations. However, many credit unions belong to larger networks, such as the Credit Union Service Centers.
3.) Most credit unions offer credit cards just like a typical bank. What isn’t so typical are the exceptionally low APR rates they offer.
4.) Credit unions have many available ATMs, but they are also fee free! The average fee for an ATM is $2.33 and is on the rise. Now if you use your bank issued ATM card at a third party ATM, then you just doubled your fees. With a credit union ATM card, you can withdraw your own money fee free as long as it’s at a participating ATM. Even if you withdraw money from a third party, you may have to pay their fee, but most credit unions don’t charge for the transactions themselves. I’m too busy to walk into a branch office every time I want to withdraw some money, and I feel that I shouldn’t have to pay hefty fees when I do.
5.) At a credit union, credit cards, home equity loans, mortgages, auto loans, and personal loans all enjoy lower rates than you will find at a bank. At the same time, savings, checking, money market, and CD’s have higher rates. I don’t typically endorse putting any significant amount of your money into savings and CD’s as inflation tends to outpace them, however, most people feel more comfortable doing so and they might as well earn a higher rate!
With the economy being in a state of turmoil and with so many people losing their jobs, people are looking for other means to make money. There are so many opportunities that we receive to take a look at on a daily basis, it can sometimes be overwhelming. One thing that I would recommend that you look at is your "passion". What is it that you enjoy doing, and would do even if you did not get paid for it? Many people just jump into opportunity to make fast money. They want or need the money right now, today! That is not the best way to go, especially if you truly want to make money.Over the years, I have made some mistakes about joining opportunities that were not really for me. I just wanted to make money. My thinking has changed a great deal because now I know that it's not all about the opportunity, but about my passion. You too can find your passion by writing down what it is you enjoy and then looking for opportunities that fit your criteria.I have found that I cannot sit around waiting for someone to "save" me. The government in the USA is in debt billions of dollars. Even though President Obama is giving breaks to a select few, it does not take one out of their current debt situation. If you want to survive and make it in this economy, you must take it upon yourself and make it happen. Not trying to dampen your day, but give you insight on our current state and how you can help yourself.I just recently noticed that gas prices are starting to increase. Of course, it always happens when summer hits. No one really has a good reason for this increase. Last year, we were told that gas prices increased due to the drilling of more well holes. So, I guess this only occurs during the summer months(lol).If you are serious about making some money, start with getting a grasp on steps needed for this to happen. I wanted to learn more about making money on-line, so I picked up an E-Book that keeps me on track daily. It's called "The Black Folks Guide To Making Big Money On The Internet". No, you do not have to be black to get the benefits of what this E-Book offers. The title was created based on the mission of the Black Business Builders Club. Which is to uplift and support black businesses.This E-Book is packed with information on how to make money on the Internet. I have my own personal copy of this E-Book and must say it's awesome. It's packed with 300 pages of content on how to start, market and grow your existing businesses. I mainly use it as a daily reference to keep me on track with my marketing efforts for my businesses. This E-Book is for you if your making money or not on the internet. Start, grow or market your business today!To learn more, check out the audio postcard
