How are credit unions different from traditional banks? In what ways are they better than a bank? In what ways are they worse?

Credit Unions, in so many ways are most advantageous compared to large banks present in the United States today. As far as banks is concerned, your money does not earn reasonable interest when it is deposited, all the more you are being slapped with various charges which you as a client does not understand, thereby depleting your hard earned savings. With the onset of the credit unions, many Americans have turned to this institutions to manage their money.

One of the most salient features of Credit Unions, is that it's ownership wrests with the members themselves. Another great characteristics of this type of set-up, is that this type of financial model is not designed to earn income because any earnings generated by the credit union is shared by members in the form of dividends. Unlike banks, that regularly increase charges to improve their bottom line.

And lastly, credit union is the main competitor of banks when it comes to the percentage of interest rates on borrowings, because the former has much lower interest rate than the latter. Accordingly, "the nation's credit unions count 90 million members, and their trade association estimates members save $8 billion a year thanks to better interest rates and reduced fees. Credit-union-issued credit cards, for example, tend not to have annual fees or to charge punitive interest rates for a single late payment.

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