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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!

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Listen to Shay Olivarria as she talks about savings, investing, net worth, and more on the Cheap Cheetah Show! One lucky listener will get a free workbook!Tune in Sunday, December 13th at 8am EST to win!'http://www.blogtalkradio.com/cheap-cheetah

PEACE,Shay OlivarriaSpeaker/AuthorBigger Than Your Blockwww.BiggerThanYourBlock.com
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Most of us have goals for our businesses, however few of us have goals that are specific, measurable, attainable, realistic, and timely (SMART). I've developed a discussion, example, and worksheet for using SWOT Analysis with SMART Goals to help you focus on your business. It's a simple, quick 3 page document that will make you think about your business in new ways.Download it at www.BiggerThanYourBlock.com on the home page and let me know what you think!PEACE,Shay OlivarriaSpeaker/Group Facilitatorwww.BiggerThanYourBlock.com
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Join us!Tuesday 10amRadio Show: Paying for Collegew/ special guests Aurora and Serge of Default: The Student Loan Documentary fame.Call in at (347) 237-5446 &Log on at http://www.blogtalkradio.com/BTYB-Youth--MoneySubmit your questions via chat or phoneWe’ll cover scholarships, grants, loans, and work study. Bring your questions!
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I was a guest on the Coach K of Life show talking about the most important things that we can teach our kids about money. Listen here http://www.blogtalkradio.com/The-Coach-K/2009/03/26/BIGGER-than-your-BLOCKPEACE,Shay OlivarriaSpeaker, Entrepreneur, Author, Former Foster Youthwww.BiggerThanYourBlock.com
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