Are credit unions better than regular banks?

Credit unions can be a better than banks. One area where they are typically better is in regards to fees. If you look at the fees assessed at credit unions and compare them with fees from a bank, they are usually much lower.In addition, credit unions can offer you better interest rates than banks provided your credit is good.

The important thing to remember is to do comparison-shopping and find out which will work better for you. It also helps to know the membership requirements if you decide to go with a credit union. Normally, if you work or live in the designated county you are allow to become a member.

They may be other stipulations. Check with your local credit union to see what requirements they have, if any.In terms of credit rating, it shouldn’t matter where you do your banking. Factors for your credit score include payment history, debt to income ratio and length of accounts.

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