s**********i
发帖数: 711 | 1 credit union is non-profit organizations. they don't
make money. all money earned go back to members except
opertational costs.
typically they have slightly higher interest on your
money deposited and slightly lower interest on loans,
plus may charge less on fees etc. however, it depends
on many factors, small CU may not show benefits. | s**********i
发帖数: 711 | 2 they are not. but most of them are insured through
NCUA, also a federal agency, to the same amount
of FDIC, $100,000. | d*b
发帖数: 21830 | 3 credit union是客户集资的，也就是说，你是client,也是股东之一,credit union并不
对所有的人都开放，比如汽车工人credit union就只能允许汽车工人开户，但bank不是
，client基本不是bank的股东。
【在 s**********i 的大作中提到】
: credit union is non-profit organizations. they don't
: make money. all money earned go back to members except
: opertational costs.
: typically they have slightly higher interest on your
: money deposited and slightly lower interest on loans,
: plus may charge less on fees etc. however, it depends
: on many factors, small CU may not show benefits.
| v*****s
发帖数: 20290 | 4 属实，有法律规定credit union不能对所有人开放，必须有一定的eligibility的要求。
【在 d*b 的大作中提到】
: credit union是客户集资的，也就是说，你是client,也是股东之一,credit union并不
: 对所有的人都开放，比如汽车工人credit union就只能允许汽车工人开户，但bank不是
: ，client基本不是bank的股东。
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