/biz/ - Business & Finance

[Anonymous No.1553815]

Are credit unions a meme?

[Anonymous No.1553907]

>>1553815

No, to the extent you have to place liquid assets in an institution for regular expenses, it should absolutely be in a credit union instead of a bank. Fuck banks.

[Anonymous No.1553978]

>>1553907
This. Fuck banks.

We have one in town where a manager cried to my dad about never seeing any younger people there. Yeah, see, young people can't always keep $25K there to avoid fees, pay fees for a paltry selection of services, and be a regular visitor during work hours. Idiot. No wonder the government had to bail these morons out.

[Anonymous No.1553980]

USAA

[Anonymous No.1553983]

>>1553907
>>1553978
>Fuck banks

t. Occupy Wallstreet bernie supporter

Eat cock fag

[Anonymous No.1553984]

>>1553815
Shittier online banking and interfaces/docs for loans/mortgages.

But generally better rates, customer service, and waiving of ATM fees.

Check bankrate.

[Anonymous No.1554000]

>>1553983

Look, I'm not saying close all the banks, I'm just saying that regular people shouldn't be giving them money.

[Anonymous No.1554002]

>>1553983
Go fall down a well you trust fund parasite. Working adults are talking.

[Anonymous No.1554004]

>>1554000
He's a parasite who thinks flipping shitcoins is honest work. You can't reason with their kind. They'll just lobby mommy government to force you to support them anyway.

[Anonymous No.1554006]

There aren't any credit unions near me - the nearest branch for any one I'd even qualify to get into is a good half hour drive away.

Would it be worth switching regardless? Are there any real benefits beyond morals?

[Anonymous No.1554007]

>>1553983
>>1554002
>anyone who disagrees with me is a trust fund parasite
Bernie '16
>tax stock speculators
lol

[Anonymous No.1554012]

>>1554006

I wouldn't worry about qualification unless you mean the nearest one to you period is a half-hour away. Most of them have relaxed their qualifications quite a bit in the past few years. Even the company ones you might be able to get into.

I also wouldn't worry about it being a half-hour away, most of them subscribe to nationwide ATM networks and they may have check scan deposits or where you can mail in checks for deposit.

As far as the benefits, they usually have marginally higher interest rates, and it may qualify you for their car/house loans, which is where you would really save. But the big thing is that it's non-profit and it doesn't deal in the wonky investment crap that gets banks in trouble. Not that there's anything wrong with that, for all the fags like >>1553983, but you don't want to gamble your bill money away.

[Anonymous No.1554013]

>>1554002
Go protest at occupy, smelly hippie

[Anonymous No.1554014]

And the Shekelsteins of the world can't figure out why they ended up in ovens during the Depression when the real question is why they didn't end up there 8 years ago.

[Anonymous No.1554019]

>>1554014
Too bad for you we have a homeland we can always return to, faggot

[Anonymous No.1554041]

>>1554006
Credit unions have far less fees, including zero for maintaining checking/saving.

Also better auto loan rules/rates.

[Anonymous No.1554044]

>>1554041
Lick my cock retard credit unions are shit

Banks make a lot of money which they pass onto the customer

[Anonymous No.1554054]

>>1554044
>they pass onto the customer

that's some next level lying m8

[Anonymous No.1554128]

>>1553815
Wait until you are looking to borrow money.

Bank: Don't you want a 3% interest rate?
Credit union: Don't you want a 2% interest rate?

It's that nice.

>>1553980
Go back to Vietnam.

[Anonymous No.1554132]

>tfw your credit union only gives you back 2.2% return on your (((oven ashes)))