From the outside,banks和信用社看起来很相似。他们都提供支票和储蓄帐户,CD和专业帐户等金融产品以及我们所期望的其余服务。您可以穿过柜员窗户或停在分支机构,存放支票或提取钱,并偶尔与人员见面以讨论您的财务需求。大多数银行和信用合作社的菜单上,ATM,借记卡,贷款和抵押都在菜单上。您给他们您的钱,然后他们还给他们。正确的?
But under the surface, the two types of financial institutions couldn't be more different. You may have noticed how excited and involved credit union (CU) members tend to be with their institutions, or the reputation CUs have for being small, regional or community-oriented. Perhaps you've heard about the intense lobbying the banking industry regularly levels against credit unions and wondered why it's so aggressive.
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当然,这两个操作都有好处和成本。但是,了解信用合作社的运作方式 - 以及使它们与银行区分开来的方式,可以对我们在这个国家处理金钱的方式有一些有趣的见解。我们大多数人都不会使用金融机构提供的机会的一半,因为对这些事情做出决定可能是如此不知所措。对于我们许多人来说,这很难确保我们的支票不会在月底弹跳!
In this article, we'll look at the basic business structure of banks and credit unions, the reason they do the things they do and the ways we use their services. Read on to learn how to choose between the two!
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