Credit unions, are they worth it?

I love credit union banking.

If you need a car loan, personal loan, etc., its much easier and literally no hassle. Mortgages aren't any better in my experience, but that has to do with federal requirements.

You get a little less shittier savings rate, too.

I love my credit union. I got a personal loan with no hassle within a day. Most institutions have eliminated personal unsecured loans.

My checking rate is 3% as long as I have direct deposit or ACH, 10 POS debits/month, and use online banking.

It also has the small town feel to it instead of the big bank where nobody knows your name.

I did not get my mortgage through them. They were 0.50-0.75% higher than my mortgage company. I will finance vehicles with them from here on out.

Love my credit union. I also sleep better at night knowing the bank of americas and wells fargos don't see my money.

Keep it local

Navy Federal is a great credit union. Services are with the times and they have fantastic loan rates.

I've always said: use a big bank for checking and card services and use a credit union for savings and loans

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Credit unions, are they worth it?

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Hell, no! Credit unions are the embodiment of the Anti-Christ! Anyone who uses a credit union is morally deficient and intellectually challenged.

Signed,
A Former Commercial Banker

I love Campus Federal Credit Union. I have been with them since 2002 and I will never switch. I do all my business through them with the exception of my mortgage.