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October 29, 2009



Once I get out from under the evil that is BofA (hopefully in the next 5 months, or so), I'm thinking of looking the credit union direction. All the articles that I've been reading over the past few months about people being screwed by their CC companies have been followed by comments suggesting local credit unions, and the couple of posts I've put up about my own BofA woes have always been followed by suggestions to give it a go. So the seed has been firmly planted!

Although, I have an Amex now that I pay monthly without issue, and while it sucks that I can't use it everywhere (the dentist, the vet, and the puppy daycare don't take Amex), I can always prepare accordingly and have cash in the bank for those cases, really.


I too love our credit union. Cannot recommend enough. Wait, do we belong to the same one?


I have been with my credit union since March 26, 1990. They are in Oshkosh, WI and I never lived in WI. They took me on because I worked for a company based in the town. I lived in Chicago by myself where, at the tender age of 25, I was still barely able to make do. Banks were forcing people into $100 minimum deposits (I didn't have $100 to spare) and the bank I had been with made an error and cost me money. They admitted their error, but wouldn't make the money right for me. I walked out and have never gone back to banking. I think it's the most ridiculous institution in the world. I have no sympathy for their plight, either. My account is so old, I still only have to maintain a $5 balance, which back in '90 was music to my ears. Now they have my big, liquid savings account as well as my checking. I left Chicago, moved to Kansas and then moved to Iowa and I still keep them. I also have a credit union account here in town with my husband. Get thee to a credit union!


My previous credit union actually charged higher fees and was more of a hassle to deal with than the locally owned bank I currently use. It depends on what you are looking for.

For instance, the CU closes at 5 and for me to get there after work can be troublesome if I need an in person visit. They aren't open on Saturdays and they open early one day a week instead of staying open late. My bank will have someone stay if they know I'm on my way while the CU wouldn't even consider it. I get there a minute or two after they would have closed, the timing is that close.

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