信用合作社vs. 银行: 哪一个适合你?

When it comes to banking, Americans are exceptionally loyal. According to a 2021 Bankrate survey, consumers tend to keep their checking and 储蓄账户 open for an average of 17 years.

If you happen to be looking for a new financial institution, 然而, you may be considering credit unions and 银行. This article breaks down the key differences between the two to help you find out which one is right for you.

No matter which you choose, your money is protected at insured credit unions and 银行. (信贷 unions are insured by the NCUA; 银行 are insured by the 联邦存款保险公司.) Your money is safe up to $250,000 in the event of a bank collapse.

The key difference between 信用社vs. 银行

The key difference between a credit union and a bank is that a credit union is a nonprofit institution that is owned by its members, while a bank is a for-profit institution that is owned by shareholders. This difference affects the rates, fees, services, and products that each institution offers. 一般, credit unions offer higher 利率 on deposits, lower 利率 on 贷款, 费用也比银行低. 然而, 银行 may have more 分支机构 and more cutting-edge technology and products compared with credit unions.

的好处 banking with a credit union

Because a credit union is owned by its members, any profits are returned to members in the form of lower fees and higher 利率. Here are just a few 好处 of joining a credit union:

• Lower fees: 信贷 unions usually have lower fees than 银行 because credit unions do not have to pay dividends to shareholders.
• Better 利率: 信贷 unions typically offer higher 利率 on 储蓄账户 because they have lower overhead costs than 银行. Similarly, they offer lower 利率 on 贷款.
• Customer service: 信贷 unions pride themselves on offering better customer service than 银行. They tend to be more involved with the 他们所服务的社区也一样.
• Special perks: 信贷 unions often negotiate exclusive deals for their members. These perks might range from discounts on car rentals and purchases, vacations, and entertainment.
• Shared access: 信贷 unions cooperate, so you can use tens of thousands of credit union ATMs (as well as some 分支机构 of other brands) throughout the United States.

的好处 银行业务

While both credit unions and 银行 offer a range of financial products and services — including checking accounts, 储蓄账户, 贷款, 信用卡, and online and mobile banking services — a bank may be a better option if:

• You need physical access to your bank brand throughout the United States (or overseas). Only the very largest 银行 can offer this – regional 银行 typically have a footprint similar to a credit union.
• You want access to the latest cutting-edge technology or offerings such as cryptocurrency management or other alternative investments.

为什么 choose 帕特尔科信用合作社

When you join Patelco, you become a member and an owner. 我们提供 好处 for our members, including:

• Some of the best savings rates in the nation
• 奖励 按时支付
• 免费检查
• 网上银行及 手机应用程序 随时存款
• 免费的 透支保护 from your Patelco savings account
• 37 分支机构, plus access to 6,000+ shared-service 分支机构
• 30,000+ surcharge-free ATMs nationwide
• 信用卡 来适应你的生活方式
• 汽车贷款 条款灵活
• 负担得起的 房屋贷款
• Discounts on rental cars, car buying, vacations, and entertainment

The best type of financial institution for you depends on your individual preferences and needs. If you’re looking for lower fees and higher 利率, a credit union may be the right choice for you. Explore the 好处 for Patelco members and join today.