Recent Changes for "Credit Unions" - Davis Wikihttp://daviswiki.org/Credit_UnionsRecent Changes of the page "Credit Unions" on Davis Wiki.en-us Credit Unionshttp://daviswiki.org/Credit_Unions2014-10-18 22:08:24MaxLucasrevised <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 21: </td> <td> Line 21: </td> </tr> <tr> <td> <span>-</span> * ["Golden 1 Credit Union"] - First box of checks free with new student checking accounts, no minimum balance, no monthly fee, free online bill pay. You can <span>scan and </span>deposit checks <span>online from a com</span>p<span>uter with a scanner</span> for free. </td> <td> <span>+</span> * ["Golden 1 Credit Union"] - First box of checks free with new student checking accounts, no minimum balance, no monthly fee, free online bill pay. You can deposit checks <span>from your mobile </span>p<span>hone using its camera</span> for free. </td> </tr> <tr> <td> Line 23: </td> <td> Line 23: </td> </tr> <tr> <td> <span>-</span> * ["USE Credit Union" University and State Employees Credit Union] - 1 free overdraft/year, free online bill pay, no minimum balance or monthly fee. You can <span>scan and </span>deposit checks <span>online from a computer wit</span>h<span>&nbsp;a scanner</span> for free. </td> <td> <span>+</span> * ["USE Credit Union" University and State Employees Credit Union] - 1 free overdraft/year, free online bill pay, no minimum balance or monthly fee. You can deposit checks <span>from your mobile p</span>h<span>one using its camera</span> for free. </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2014-03-08 15:28:49MaxLucas <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 23: </td> <td> Line 23: </td> </tr> <tr> <td> <span>-</span> * ["USE Credit Union" University and State Employees Credit Union] - 1 free overdraft/year, free online bill pay, no minimum balance or monthly fee. You can scan and deposit checks online from a computer with a scanner for free.<span>&nbsp;Earn $25 for referring a new member. (Up to $150 maximum). New referred members will get $25. (Membership is open to students &amp; Davis residents.) No annual fee credit cards.</span> </td> <td> <span>+</span> * ["USE Credit Union" University and State Employees Credit Union] - 1 free overdraft/year, free online bill pay, no minimum balance or monthly fee. You can scan and deposit checks online from a computer with a scanner for free. </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2011-12-10 01:20:26MaxLucasfixed link <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 28: </td> <td> Line 28: </td> </tr> <tr> <td> <span>-</span> All of the credit unions in Davis are part of the [http://www.co-op<span>network</span>.org/p<span>ublic</span>/<span>consumers/find_atm/index.cfm</span> CO-OP ATM network], where you can use your credit union ATM card without a fee. There are over 28,000 CO-OP ATMs across the country, which is more than any other bank. Bank of America for example, only has 18,000 ATMs. CO-OP ATMs are in every state, while most banks only have ATMs in a limited number of states. </td> <td> <span>+</span> All of the credit unions in Davis are part of the [http://www.co-op<span>fs</span>.org/<span>b2c-home</span>p<span>age</span>/ CO-OP ATM network], where you can use your credit union ATM card without a fee. There are over 28,000 CO-OP ATMs across the country, which is more than any other bank. Bank of America for example, only has 18,000 ATMs. CO-OP ATMs are in every state, while most banks only have ATMs in a limited number of states. </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2011-11-25 23:30:04MaxLucasdetails <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 23: </td> <td> Line 23: </td> </tr> <tr> <td> <span>-</span> * ["USE Credit Union" University and State Employees Credit Union] - <span>Free checks, </span>1 free overdraft/year, free online bill pay, no minimum balance or monthly fee. You can scan and deposit checks online from a computer with a scanner for free. Earn $25 for referring a new member. (Up to $150 maximum). New referred members will get $25. (Membership is open to students &amp; Davis residents.) <span>Free Traveler's Checks, free cashier's checks, no annual fee credit cards.</span> </td> <td> <span>+</span> * ["USE Credit Union" University and State Employees Credit Union] - 1 free overdraft/year, free online bill pay, no minimum balance or monthly fee. You can scan and deposit checks online from a computer with a scanner for free. Earn $25 for referring a new member. (Up to $150 maximum). New referred members will get $25. (Membership is open to students &amp; Davis residents.) <span>No annual fee credit cards.</span> </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2011-05-30 10:25:11DougWalterThe network capitalizes ALL letters; 2nd capital O alone is nonsense <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 24: </td> <td> Line 24: </td> </tr> <tr> <td> <span>-</span> * ["Yolo Federal Credit Union"] Largest number of surcharge free ATMs: US Bank ATMs, MoneyPass, &amp; C<span>o</span>-Op<span>&nbsp;ATMs(credit union ATMs), free </span>b<span>ill pay, free student checking account and e-checking account available</span> </td> <td> <span>+</span> * ["Yolo Federal Credit Union"] Largest number of surcharge free ATMs: US Bank ATMs, MoneyPass, &amp; C<span>O</span>-O<span>P ATMs (credit union ATMs), free bill </span>p<span>ay, free student checking account and e-checking account availa</span>b<span>le</span> </td> </tr> <tr> <td> Line 28: </td> <td> Line 28: </td> </tr> <tr> <td> <span>-</span> All of the credit unions in Davis are part of the [http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm C<span>o</span>-O<span>p</span> ATM network], where you can use your credit union ATM card without a fee. There are over 28,000 C<span>o</span>-O<span>p ATMs across the country</span> which is more than any other bank. Bank of America for example, only has 18,000 ATMs. C<span>o</span>-O<span>p</span> ATMs are in every state, while most banks only have ATMs in a limited number of states. </td> <td> <span>+</span> All of the credit unions in Davis are part of the [http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm C<span>O</span>-O<span>P</span> ATM network], where you can use your credit union ATM card without a fee. There are over 28,000 C<span>O</span>-O<span>P ATMs across the country,</span> which is more than any other bank. Bank of America for example, only has 18,000 ATMs. C<span>O</span>-O<span>P</span> ATMs are in every state, while most banks only have ATMs in a limited number of states. </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2011-05-29 22:01:18MaxLucasformatting <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 23: </td> <td> Line 23: </td> </tr> <tr> <td> <span>- </span> * ["USE Credit Union" University and State Employees Credit Union] - Free checks, 1 free overdraft/year, free online bill pay, no minimum balance or monthly fee. You can scan and deposit checks online from a computer with a scanner for free. Earn $25 for referring a new member. (Up to $150 maximum). New referred members will get $25. (Membership is open to students &amp; Davis residents.) Free Traveler's Checks, free cashier's checks, no annual fee credit cards. </td> <td> <span>+</span> * ["USE Credit Union" University and State Employees Credit Union] - Free checks, 1 free overdraft/year, free online bill pay, no minimum balance or monthly fee. You can scan and deposit checks online from a computer with a scanner for free. Earn $25 for referring a new member. (Up to $150 maximum). New referred members will get $25. (Membership is open to students &amp; Davis residents.) Free Traveler's Checks, free cashier's checks, no annual fee credit cards. </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2011-05-29 20:26:11MaxLucas <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 23: </td> <td> Line 23: </td> </tr> <tr> <td> <span>-</span> * ["USE Credit Union" University and State Employees Credit Union] - Free checks, 1 free overdraft/year, free online bill pay, no minimum balance or monthly fee. You can scan and deposit checks online from a computer with a scanner for free. Earn $25 for referring a new member. (Up to $150 maximum). New referred members will get $25. (Membership is open to students &amp; Davis residents.) Free Traveler's Checks, free cashier's checks, <span>free foreign currency exchange on credit card transactions, no fee credit cards.</span> </td> <td> <span>+</span> * ["USE Credit Union" University and State Employees Credit Union] - Free checks, 1 free overdraft/year, free online bill pay, no minimum balance or monthly fee. You can scan and deposit checks online from a computer with a scanner for free. Earn $25 for referring a new member. (Up to $150 maximum). New referred members will get $25. (Membership is open to students &amp; Davis residents.) Free Traveler's Checks, free cashier's checks, <span>no annual fee credit cards.</span> </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2011-05-29 19:29:50MaxLucasmore info <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 23: </td> <td> Line 23: </td> </tr> <tr> <td> <span>-</span> * ["USE Credit Union" University and State Employees Credit Union] - Free checks, free online bill pay, <span>1 free overdraft per year, </span>no minimum balance<span>, no</span> monthly fee. You can scan and deposit checks online from a computer with a scanner for free. Earn $25 for <span>each</span> new memb<span>er you ref</span>er. (Up to $150 <span>cash</span>). New referred member get<span>s</span> $25. (Membership is open to students &amp; Davis residents) </td> <td> <span>+ </span> * ["USE Credit Union" University and State Employees Credit Union] - Free checks, <span>1 free overdraft/year, </span>free online bill pay, no minimum balance<span>&nbsp;or</span> monthly fee. You can scan and deposit checks online from a computer with a scanner for free. Earn $25 for <span>referring a</span> new member. (Up to $150 <span>maximum</span>). New referred member<span>s will</span> get $25. (Membership is open to students &amp; Davis residents<span>.</span>)<span>&nbsp;Free Traveler's Checks, free cashier's checks, free foreign currency exchange on credit card transactions, no fee credit cards.</span> </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2011-01-22 19:03:04MaxLucasmore details <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 23: </td> <td> Line 23: </td> </tr> <tr> <td> <span>-</span> * ["USE Credit Union" University and State Employees Credit Union] - Free checks, free online bill pay, 1 free overdraft per year, no minimum balance, no monthly fee. You can scan and deposit checks online from a computer with a scanner for free. Earn $25 for each new member you refer. (Up to $150 cash). New referred member gets $25.<br> <span>-</span> * ["Yolo Federal Credit Union"] Largest number of surcharge free ATMs: US Bank ATMs, Money<span>p</span>ass, &amp; Co-Op ATMs(credit union ATMs), free bill pay, free student checking account and e-checking account available </td> <td> <span>+</span> * ["USE Credit Union" University and State Employees Credit Union] - Free checks, free online bill pay, 1 free overdraft per year, no minimum balance, no monthly fee. You can scan and deposit checks online from a computer with a scanner for free. Earn $25 for each new member you refer. (Up to $150 cash). New referred member gets $25.<span>&nbsp;(Membership is open to students &amp; Davis residents)</span><br> <span>+</span> * ["Yolo Federal Credit Union"] Largest number of surcharge free ATMs: US Bank ATMs, Money<span>P</span>ass, &amp; Co-Op ATMs(credit union ATMs), free bill pay, free student checking account and e-checking account available </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2011-01-20 19:46:33MaxLucasmore detail <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 13: </td> <td> Line 13: </td> </tr> <tr> <td> <span>- Banks are for-profit companies who are motivated to maximize the profits they can make off of depositors for distribution to their shareholders and executives. This is often achieved through fees and other methods. These methods are documented and mailed to you on an annual basis, but most banks realize that customers usually don't take the time to read through the documents.</span> </td> <td> <span>+ Banks are for-profit companies who are motivated to maximize the profits they can make off of depositors to give to their shareholders and executives. This is often achieved through fees and other methods. These methods are documented and mailed to you on an annual basis, but most banks realize that customers usually don't take the time to read through the documents.</span> </td> </tr> <tr> <td> Line 17: </td> <td> Line 17: </td> </tr> <tr> <td> <span>-</span> Moving your money away from banks with excessive fees can save you a great deal of money in the long run. For example, many of the credit unions in Davis offer Free Checking accounts with no monthly fees and some even offer free checks. </td> <td> <span>+</span> Moving your money away from banks with excessive fees can save you a great deal of money in the long run. For example, many of the credit unions in Davis offer Free Checking accounts with no monthly fees and some even offer free checks.<span>&nbsp;If your bank charges you a $10 monthly fee, it can add up to $120 per year.</span> </td> </tr> <tr> <td> Line 21: </td> <td> Line 21: </td> </tr> <tr> <td> <span>-</span> * ["Golden 1 Credit Union"] - First box of checks free with new student checking accounts, no minimum balance, no monthly fee, free online bill pay </td> <td> <span>+</span> * ["Golden 1 Credit Union"] - First box of checks free with new student checking accounts, no minimum balance, no monthly fee, free online bill pay<span>. You can scan and deposit checks online from a computer with a scanner for free.</span> </td> </tr> <tr> <td> Line 23: </td> <td> Line 23: </td> </tr> <tr> <td> <span>-</span> * ["USE Credit Union" University and State Employees Credit Union] - Free checks, free online bill pay, 1 free overdraft per year, no minimum balance, no monthly fee. Earn $25 for each new member you refer. (Up to $150). New referred member gets $25. </td> <td> <span>+</span> * ["USE Credit Union" University and State Employees Credit Union] - Free checks, free online bill pay, 1 free overdraft per year, no minimum balance, no monthly f<span>ee. You can scan and deposit checks online from a computer with a scanner for fr</span>ee. Earn $25 for each new member you refer. (Up to $150<span>&nbsp;cash</span>). New referred member gets $25. </td> </tr> <tr> <td> Line 32: </td> <td> Line 32: </td> </tr> <tr> <td> <span>-</span> Some credit unions are part of the CU Service Center network. That means that you can walk into any participating credit union in this network and deposit cash or withdraw cash for free. USE Credit Union and Golden 1 are members of this network. That means you have a network of thousands of branches to do banking in every state. </td> <td> <span>+</span> Some credit unions are part of the CU Service Center network. That means that you can walk into any participating credit union<span>&nbsp;branch</span> in this network and deposit cash or withdraw cash for free. USE Credit Union and Golden 1 are members of this network. That means you have a network of thousands of branches to do banking in every state. </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2011-01-10 21:51:47MaxLucasmore detail <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 21: </td> <td> Line 21: </td> </tr> <tr> <td> <span>-</span> * ["Golden 1 Credit Union"] - First box of checks free with new checking accounts, no minimum balance, no monthly fee </td> <td> <span>+</span> * ["Golden 1 Credit Union"] - First box of checks free with new <span>student </span>checking accounts,<span>&nbsp;</span> no minimum balance, no monthly fee<span>, free online bill pay</span> </td> </tr> <tr> <td> Line 23: </td> <td> Line 23: </td> </tr> <tr> <td> <span>-</span> * ["USE Credit Union" University and State Employees Credit Union] - Free checks, 1 free overdraft per year, no minimum balance, no monthly fee. Earn $25 for each new member you refer. (Up to $150). New referred member gets $25.<br> <span>-</span> * ["Yolo Federal Credit Union"] Largest number of surcharge free ATMs: US Bank ATMs, Moneypass, &amp; Co-Op ATMs(credit union ATMs) </td> <td> <span>+</span> * ["USE Credit Union" University and State Employees Credit Union] - Free checks<span>, free online bill pay</span>, 1 free overdraft per year, no minimum balance, no monthly fee. Earn $25 for each new member you refer. (Up to $150). New referred member gets $25.<br> <span>+</span> * ["Yolo Federal Credit Union"] Largest number of surcharge free ATMs: US Bank ATMs, Moneypass, &amp; Co-Op ATMs(credit union ATMs)<span>, free bill pay, free student checking account and e-checking account available</span> </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2011-01-05 20:53:21MaxLucasmore detail <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 23: </td> <td> Line 23: </td> </tr> <tr> <td> <span>-</span> * ["USE Credit Union" University and State Employees Credit Union] - Free checks, 1 free overdraft per year, no minimum balance, no monthly fee </td> <td> <span>+</span> * ["USE Credit Union" University and State Employees Credit Union] - Free checks, 1 free overdraft per year, no minimum balance, no monthly fee<span>. Earn $25 for each new member you refer. (Up to $150). New referred member gets $25.</span> </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2010-12-18 00:51:03MaxLucasreworded for simplicity <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 3: </td> <td> Line 3: </td> </tr> <tr> <td> <span>- '''[wiki:WikiPedia:"Credit unions"]''' are the not-for-profit ["cooperatives"] of the financial services industry. They offer the same services as ["banks"], and enjoy the same government-backed guarantee on deposits. Instead of profits going to owners or shareholders, the profits are returned to the members (usually account holders) in the form of lower fees, better loan rates, interest bearing checking accounts, etc. Some credit unions do have requirements for membership such as residing or working in the county.</span> </td> <td> <span>+ '''[wiki:WikiPedia:"Credit unions"]''' are the not-for-profit financial ["cooperatives"] that offer the same services as ["banks"] such as checking accounts and savings accounts. They have the same government-backed guarantee on deposits up to $250,000.</span> </td> </tr> <tr> <td> Line 5: </td> <td> Line 5: </td> </tr> <tr> <td> <span>- Not to worry, though -- if you are a student or resident of ["Yolo County"], you are eligible to join one of the credit unions in Davis.</span> </td> <td> <span>+ With Credit Unions, the members are the owners. At banks, profits go to shareholders or owners. Since credit unions are not-for-profit the money earned is returned to the members in the form of lower fees, better loan rates, etc. Some credit unions do have requirements for membership such as residing or working in the county.<br> + <br> + If you are a student or resident of ["Yolo County"], you are eligible to join any of the credit unions in Davis.</span> </td> </tr> <tr> <td> Line 11: </td> <td> Line 13: </td> </tr> <tr> <td> <span>- Banks are for-profit companies who are motivated to maximize the profits they can make off of depositors for distribution to their shareholders and executives. This is often achieved through hidden and obscure fees, re-ordering transactions to maximize overdraft penalties, offering bad or confusing interest rates on complex loan products, and other sneaky methods that are all documented and mailed to you on an annual basis.</span> </td> <td> <span>+ Banks are for-profit companies who are motivated to maximize the profits they can make off of depositors for distribution to their shareholders and executives. This is often achieved through fees and other methods. These methods are documented and mailed to you on an annual basis, but most banks realize that customers usually don't take the time to read through the documents.</span> </td> </tr> <tr> <td> Line 13: </td> <td> Line 15: </td> </tr> <tr> <td> <span>- Credit unions are not-for-profit cooperatives which are owned by depositors, and have no motivation other than to provide the best service, interest rates, and banking experience to these owners/depositors. Credit unions are generally democratic institutions, with a board of directors elected by member depositors, while Banks are generally corporate institutions which answer to a board of directors elected by shareholders. Credit unions are local institutions structured to re-invest depositors' money into loans for local homes, businesses, and residents. Banks are local, national or international financial institutions which maximize profits and minimize risks by selling locally generated loans on wall street as diversified mortgage backed securities products, and by purchasing mortgage backed securities composed of loans from other communities. Since mortgages allow people to own homes, this is clearly evil.</span> </td> <td> <span>+ Credit unions are not-for-profit cooperatives which are owned by the members. Credit unions are generally democratic institutions, with a board of directors elected by member depositors, while Banks are generally corporate institutions which answer to a board of directors elected by shareholders. Credit unions often are able to offer lower loan rates to their members than banks due to the fact that credit unions are not-for-profit. Locally based credit unions are also a good way to employ local people to help the local economy. Of course, when choosing whether to go with a bank or credit union, each individual needs to decide which institution will give them better deals.</span> </td> </tr> <tr> <td> Line 15: </td> <td> Line 17: </td> </tr> <tr> <td> <span>- Move your money away from corrupt banking corporations that have co-opted your government and engineered the financial crisis so as to exact bail out money from the government, go out of business anyway and cause many bank executives to lose their retirement savings. Credit unions are one way to employ local people to help the local economy. Corrupt bank executives do not deserve your money, and as the demon of the moment, you should try to run over their children with your bike, unlike the angelic and pure paid employees and managers of credit unions who never embezzle or engage in questionable practices that land them in court.</span> </td> <td> <span>+ Moving your money away from banks with excessive fees can save you a great deal of money in the long run. For example, many of the credit unions in Davis offer Free Checking accounts with no monthly fees and some even offer free checks.</span> </td> </tr> <tr> <td> Line 22: </td> <td> Line 24: </td> </tr> <tr> <td> <span>- * ["Yolo Federal Credit Union"]</span> </td> <td> <span>+ * ["Yolo Federal Credit Union"] Largest number of surcharge free ATMs: US Bank ATMs, Moneypass, &amp; Co-Op ATMs(credit union ATMs)</span> </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2010-12-16 16:16:22MaxLucasreworded <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 11: </td> <td> Line 11: </td> </tr> <tr> <td> <span>- Banks are for-profit companies who are motivated to maximize the profits they can make off of depositors for distribution to their shareholders and executives. This is often achieved through hidden and obscure fees, re-ordering transactions to maximize overdraft penalties, offering bad or confusing interest rates on complex loan products, and other sneaky methods that are all documented and mailed to you on an annual basis. Credit unions are not-for-profit cooperatives which are owned by depositors, and have no motivation other than to provide the best service, interest rates, and banking experience to these owners/depositors. Credit unions are generally democratic institutions, with a board of directors elected by member depositors, while Banks are generally corporate institutions which answer to a board of directors elected by shareholders. Credit unions are local institutions structured to re-invest depositors' money into loans for local homes, businesses, and residents. Banks are local, national or international financial institutions which maximize profits and minimize risks by selling locally generated loans on wall street as diversified mortgage backed securities products, and by purchasing mortgage backed securities composed of loans from other communities. Since mortgages allow people to own homes, this is clearly evil.</span> </td> <td> <span>+ Banks are for-profit companies who are motivated to maximize the profits they can make off of depositors for distribution to their shareholders and executives. This is often achieved through hidden and obscure fees, re-ordering transactions to maximize overdraft penalties, offering bad or confusing interest rates on complex loan products, and other sneaky methods that are all documented and mailed to you on an annual basis.</span> </td> </tr> <tr> <td> Line 13: </td> <td> Line 13: </td> </tr> <tr> <td> - Move your money away from corrupt banking corporations that have co-opted your government and engineered the financial crisis so as to exact bail out money from the government, go out of business anyway and cause many bank executives to lose their retirement savings. Credit unions are one way to employ local people to help the local economy<span>, unlike banks, which manufacture their employees from blocks of pig shit</span>. Corrupt bank executives do not deserve your money, and as the demon of the moment, you should try to run over their children with your bike, unlike the angelic and pure paid employees and managers of credit unions who never embezzle or engage in questionable practices that land them in court. </td> <td> <span>+ Credit unions are not</span>-<span>for-profit cooperatives which are owned by depositors, and have no motivation other than to provide the best service, interest rates, and banking experience to these owners/depositors. Credit unions are generally democratic institutions, with a board of directors elected by member depositors, while Banks are generally corporate institutions which answer to a board of directors elected by shareholders. Credit unions are local institutions structured to re-invest depositors' money into loans for local homes, businesses, and residents. Banks are local, national or international financial institutions which maximize profits and minimize risks by selling locally generated loans on wall street as diversified mortgage backed securities products, and by purchasing mortgage backed securities composed of loans from other communities. Since mortgages allow people to own homes, this is clearly evil.<br> + <br> +</span> Move your money away from corrupt banking corporations that have co-opted your government and engineered the financial crisis so as to exact bail out money from the government, go out of business anyway and cause many bank executives to lose their retirement savings. Credit unions are one way to employ local people to help the local economy. Corrupt bank executives do not deserve your money, and as the demon of the moment, you should try to run over their children with your bike, unlike the angelic and pure paid employees and managers of credit unions who never embezzle or engage in questionable practices that land them in court. </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2010-09-12 14:16:25JabberWokky <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 3: </td> <td> Line 3: </td> </tr> <tr> <td> <span>-</span> '''[wiki:WikiPedia:Credit<span>_Unions Credit unions</span>]''' are the not-for-profit ["cooperatives"] of the financial services industry. They offer the same services as ["banks"], and enjoy the same government-backed guarantee on deposits. Instead of profits going to owners or shareholders, the profits are returned to the members (usually account holders) in the form of lower fees, better loan rates, interest bearing checking accounts, etc. Some credit unions do have requirements for membership such as residing or working in the county. </td> <td> <span>+</span> '''[wiki:WikiPedia:<span>"</span>Credit<span>&nbsp;unions"</span>]''' are the not-for-profit ["cooperatives"] of the financial services industry. They offer the same services as ["banks"], and enjoy the same government-backed guarantee on deposits. Instead of profits going to owners or shareholders, the profits are returned to the members (usually account holders) in the form of lower fees, better loan rates, interest bearing checking accounts, etc. Some credit unions do have requirements for membership such as residing or working in the county. </td> </tr> <tr> <td> Line 5: </td> <td> Line 5: </td> </tr> <tr> <td> <span>-</span> Not to worry, though -- if you are a student or resident of Yolo County, you are eligible to join one of the credit unions in Davis. </td> <td> <span>+</span> Not to worry, though -- if you are a student or resident of <span>["</span>Yolo County<span>"]</span>, you are eligible to join one of the credit unions in Davis. </td> </tr> <tr> <td> Line 11: </td> <td> Line 11: </td> </tr> <tr> <td> <span>-</span> Banks are for-profit companies who are motivated to maximize the profits they can make off of depositors for distribution to their shareholders and executives. This is often achieved through hidden and obscure fees, re-ordering transactions to maximize overdraft penalties, offering bad or confusing interest rates on complex loan products, and other sneaky methods. Credit unions are not-for-profit cooperatives which are owned by depositors, and have no motivation other than to provide the best service, interest rates, and banking experience to these owners/depositors. Credit unions are generally democratic institutions, with a board of directors elected by member depositors, while Banks are generally corporate institutions which answer to <span>shareholder</span>s w<span>ealth</span>y <span>and influential enough to o</span>w<span>n large blo</span>ck<span>s of sto</span>ck. <span>Credit unions are local institutions structured to re-in</span>v<span>est depositors' money into loans for local homes, businesses, and residents</span>.<span>&nbsp;Banks are international financial institutions which maximize profits and minimize risks by selling locally generated loans on wall street as diversified mortgage backed securities products, and by purchasing mortgage backed securities composed of loans from other communities.</span> </td> <td> <span>+</span> Banks are for-profit companies who are motivated to maximize the profits they can make off of depositors for distribution to their shareholders and executives. This is often achieved through hidden and obscure fees, re-ordering transactions to maximize overdraft penalties, offering bad or confusing interest rates on complex loan products, and other sneaky methods<span>&nbsp;that are all documented and mailed to you on an annual basis</span>. Credit unions are not-for-profit cooperatives which are owned by depositors, and have no motivation other than to provide the best service, interest rates, and banking experience to these owners/depositors. Credit unions are generally democratic institutions, with a board of directors elected by member depositors, while Banks are generally corporate institutions which answer to <span>a board of directors elected by shareholders. Credit unions are local institutions structured to re-invest depositors' money into loans for local homes, businesses, and residents. Banks are local, national or international financial institution</span>s w<span>hich maximize profits and minimize risks b</span>y <span>selling locally generated loans on </span>w<span>all street as diversified mortgage ba</span>ck<span>ed securities products, and by purchasing mortgage ba</span>ck<span>ed securities composed of loans from other communities</span>. <span>&nbsp;Since mortgages allow people to own homes, this is clearly e</span>v<span>il</span>. </td> </tr> <tr> <td> Line 13: </td> <td> Line 13: </td> </tr> <tr> <td> <span>- Move your money away from corrupt banking corporations that have co-opted your government and engineered the financial crisis so as to exact bail out money from the government and rob your children's children. Credit unions are one way to employ local people to help the local economy. Corrupt bank executives do not deserve your money.</span> </td> <td> <span>+ Move your money away from corrupt banking corporations that have co-opted your government and engineered the financial crisis so as to exact bail out money from the government, go out of business anyway and cause many bank executives to lose their retirement savings. Credit unions are one way to employ local people to help the local economy, unlike banks, which manufacture their employees from blocks of pig shit. Corrupt bank executives do not deserve your money, and as the demon of the moment, you should try to run over their children with your bike, unlike the angelic and pure paid employees and managers of credit unions who never embezzle or engage in questionable practices that land them in court.</span> </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2010-09-11 21:38:16CovertProfessor <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 3: </td> <td> Line 3: </td> </tr> <tr> <td> <span>-</span> '''[wiki:WikiPedia:Credit_Unions Credit unions]''' are the not-for-profit ["cooperatives"] of the financial services industry. They offer the same services as ["banks"], and enjoy the same government-backed guarantee on deposits. Instead of profits going to owners or shareholders, the profits are returned to the members (usually account holders) in the form of lower fees, better loan rates, interest bearing checking accounts, etc. Some credit unions do have requirements for membership such as residing or working in the county.<span>&nbsp;</span> Not to worry, though -- if you are a student or resident of Yolo County, you are eligible to join one of the credit unions in Davis. </td> <td> <span>+</span> '''[wiki:WikiPedia:Credit_Unions Credit unions]''' are the not-for-profit ["cooperatives"] of the financial services industry. They offer the same services as ["banks"], and enjoy the same government-backed guarantee on deposits. Instead of profits going to owners or shareholders, the profits are returned to the members (usually account holders) in the form of lower fees, better loan rates, interest bearing checking accounts, etc. Some credit unions do have requirements for membership such as residing or working in the county.<span><br> + <br> +</span> Not to worry, though -- if you are a student or resident of Yolo County, you are eligible to join one of the credit unions in Davis. </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2010-07-15 17:57:59MaxLucasmore detail <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 15: </td> <td> Line 15: </td> </tr> <tr> <td> <span>-</span> * ["Golden 1 Credit Union"] - First box of checks free with <span>Stud</span>e<span>nt</span> <span>C</span>hecking, no monthly fee </td> <td> <span>+</span> * ["Golden 1 Credit Union"] - First box of checks free with <span>n</span>e<span>w</span> <span>c</span>hecking<span>&nbsp;accounts, no minimum balance</span>, no monthly fee </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2010-05-27 22:57:50MaxLucasrewording <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 9: </td> <td> Line 9: </td> </tr> <tr> <td> <span>-</span> Banks are for-profit companies who are motivated to maximize the profits they can make off of depositors for distribution to their shareholders and executives. This is often achieved through hidden and obscure fees, re-ordering transactions to maximize overdraft penalties, offering bad or confusing interest rates on complex loan products, and other sneaky methods. Credit unions are no<span>n</span>-profit cooperatives which are owned by depositors, and have no motivation other than to provide the best service, interest rates, and banking experience to these owners/depositors. Credit unions are generally democratic institutions, with a board of directors elected by member depositors, while Banks are generally corporate institutions which answer to shareholders wealthy and influential enough to own large blocs of stock. Credit unions are local institutions structured to re-invest depositor'<span>s</span> money into loans for local homes, businesses, and residents. Banks are international financial institutions which maximize profits and minimize risks by selling locally generated loans on wall street as diversified mortgage backed securities products, and by purchasing mortgage backed securities composed of loans from other communities. </td> <td> <span>+</span> Banks are for-profit companies who are motivated to maximize the profits they can make off of depositors for distribution to their shareholders and executives. This is often achieved through hidden and obscure fees, re-ordering transactions to maximize overdraft penalties, offering bad or confusing interest rates on complex loan products, and other sneaky methods. Credit unions are no<span>t</span>-<span>for-</span>profit cooperatives which are owned by depositors, and have no motivation other than to provide the best service, interest rates, and banking experience to these owners/depositors. Credit unions are generally democratic institutions, with a board of directors elected by member depositors, while Banks are generally corporate institutions which answer to shareholders wealthy and influential enough to own large bloc<span>k</span>s of stock. Credit unions are local institutions structured to re-invest depositor<span>s</span>' money into loans for local homes, businesses, and residents. Banks are international financial institutions which maximize profits and minimize risks by selling locally generated loans on wall street as diversified mortgage backed securities products, and by purchasing mortgage backed securities composed of loans from other communities. </td> </tr> <tr> <td> Line 15: </td> <td> Line 15: </td> </tr> <tr> <td> <span>-</span> * ["Golden 1 Credit Union"] - First box of checks free with Student Checking </td> <td> <span>+</span> * ["Golden 1 Credit Union"] - First box of checks free with Student Checking<span>, no monthly fee</span> </td> </tr> <tr> <td> Line 26: </td> <td> Line 26: </td> </tr> <tr> <td> <span>-</span> Some credit unions are part of the CU Service Center network. That means that you can walk into any participating credit union in this network and deposit cash or withdraw cash for free. USE Credit Union and Golden 1 are members of this network. That means you have a network of thousands of branches to do banking in <span>all 50 states</span>. </td> <td> <span>+</span> Some credit unions are part of the CU Service Center network. That means that you can walk into any participating credit union in this network and deposit cash or withdraw cash for free. USE Credit Union and Golden 1 are members of this network. That means you have a network of thousands of branches to do banking in <span>every state</span>. </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2010-05-26 09:05:46CovertProfessororganizing a bit <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 1: </td> <td> Line 1: </td> </tr> <tr> <td> <span>-</span> '''[wiki:WikiPedia:Credit_Unions Credit unions]''' are the not-for-profit ["cooperatives"] of the financial services industry. They offer the same services as ["banks"], and enjoy the same government-backed guarantee on deposits. Instead of profits going to owners or shareholders, the profits are returned to the members (usually account holders) in the form of lower fees, better loan rates, interest bearing checking accounts, etc. Some credit unions do have requirements for membership such as residing or working in the county. <span>I</span>f you are a student or resident of Yolo County, you are eligible to join one of the Credit Unions <span>in Da</span>v<span>i</span>s. </td> <td> <span>+ [[TableOfContents(right)]]<br> + <br> +</span> '''[wiki:WikiPedia:Credit_Unions Credit unions]''' are the not-for-profit ["cooperatives"] of the financial services industry. They offer the same services as ["banks"], and enjoy the same government-backed guarantee on deposits. Instead of profits going to owners or shareholders, the profits are returned to the members (usually account holders) in the form of lower fees, better loan rates, interest bearing checking accounts, etc. Some credit unions do have requirements for membership such as residing or working in the county. <span>Not to worry, though -- i</span>f you are a student or resident of Yolo County, you are eligible to join one of the <span>credit unions in Davis.<br> + <br> + = </span>Credit Unions vs.<span>&nbsp;Banks =</span> </td> </tr> <tr> <td> Line 9: </td> <td> Line 13: </td> </tr> <tr> <td> <span>-</span> Credit Unions in Davis <span>include:</span> </td> <td> <span>+ =</span> Credit Unions in Davis <span>=<br> + </span> </td> </tr> <tr> <td> Line 14: </td> <td> Line 19: </td> </tr> <tr> <td> </td> <td> <span>+ <br> + = Credit Union ATMs and Service =</span> </td> </tr> <tr> <td> Line 21: </td> <td> Line 28: </td> </tr> <tr> <td> <span>-</span> ''Also see ["ATMs"], ["banks"], or perhaps you're interested in ["Foreign Currency Exchange"].'' </td> <td> <span>+ *</span> ''Also see ["ATMs"], ["banks"], or perhaps you're interested in ["Foreign Currency Exchange"].'' </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2010-05-26 08:48:18EdwardNiemand(quick edit) <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 5: </td> <td> Line 5: </td> </tr> <tr> <td> <span>- Banks are for-profit companies where rich executives and shareholders profit off of your money. Move your money away from corrupt banking corporations that have contributed to the financial crisis and taken bail out money. Credit unions are one way to employ local people to help the local economy. Corrupt bank executives do not deserve your money.</span> </td> <td> <span>+ Banks are for-profit companies who are motivated to maximize the profits they can make off of depositors for distribution to their shareholders and executives. This is often achieved through hidden and obscure fees, re-ordering transactions to maximize overdraft penalties, offering bad or confusing interest rates on complex loan products, and other sneaky methods. Credit unions are non-profit cooperatives which are owned by depositors, and have no motivation other than to provide the best service, interest rates, and banking experience to these owners/depositors. Credit unions are generally democratic institutions, with a board of directors elected by member depositors, while Banks are generally corporate institutions which answer to shareholders wealthy and influential enough to own large blocs of stock. Credit unions are local institutions structured to re-invest depositor's money into loans for local homes, businesses, and residents. Banks are international financial institutions which maximize profits and minimize risks by selling locally generated loans on wall street as diversified mortgage backed securities products, and by purchasing mortgage backed securities composed of loans from other communities.<br> + <br> + Move your money away from corrupt banking corporations that have co-opted your government and engineered the financial crisis so as to exact bail out money from the government and rob your children's children. Credit unions are one way to employ local people to help the local economy. Corrupt bank executives do not deserve your money.</span> </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2010-05-26 08:38:10EdwardNiemand(quick edit) <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 1: </td> <td> Line 1: </td> </tr> <tr> <td> <span>-</span> '''[wiki:WikiPedia:Credit_Unions Credit unions]''' are the not-for-profit ["cooperatives"] of the financial services industry. They offer the same services as ["banks"]. Instead of profits going to owners or shareholders, the profits are returned to the members (usually account holders) in the form of lower fees, better loan rates, interest bearing checking accounts, etc. C<span>redit unions do h</span>av<span>e requirements for membership such as residing or working in the county</span>.<span>&nbsp;&nbsp;If you are a student or resident of Yolo County, you are eligible to join one of the Credit Unions in Davis.</span> </td> <td> <span>+</span> '''[wiki:WikiPedia:Credit_Unions Credit unions]''' are the not-for-profit ["cooperatives"] of the financial services industry. They offer the same services as ["banks"]<span>, and enjoy the same government-backed guarantee on deposits</span>. Instead of profits going to owners or shareholders, the profits are returned to the members (usually account holders) in the form of lower fees, better loan rates, interest bearing checking accounts, etc. <span>Some credit unions do have requirements for membership such as residing or working in the county. If you are a student or resident of Yolo </span>C<span>ounty, you are eligible to join one of the Credit Unions in D</span>av<span>is</span>. </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2010-05-25 18:38:16MaxLucasgrammar <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 1: </td> <td> Line 1: </td> </tr> <tr> <td> <span>-</span> '''[wiki:WikiPedia:Credit_Unions Credit unions]''' are the not-for-profit ["cooperatives"] of the financial services industry. They offer the same services as ["banks"]. Instead of profits going to owners or shareholders, the profits are returned to the members (usually account holders) in the form of lower fees, better loan rates, interest bearing checking accounts, etc. Credit unions do have requirements for membership such as b<span>eing a residing or working in the county</span>.<span>&nbsp;&nbsp;If you are a student or resident of Yolo County, you are eligible to join one of the Credit Unions in Davis.</span> </td> <td> <span>+</span> '''[wiki:WikiPedia:Credit_Unions Credit unions]''' are the not-for-profit ["cooperatives"] of the financial services industry. They offer the same services as ["banks"]. Instead of profits going to owners or shareholders, the profits are returned to the members (usually account holders) in the form of lower fees, better loan rates, interest bearing checking accounts, etc. Credit unions do have requirements for membership such as <span>residing or working in the county. If you are a student or resident of Yolo County, you are eligi</span>b<span>le to join one of the Credit Unions in Davis</span>. </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2010-05-25 18:36:01CovertProfessor(quick edit) <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 15: </td> <td> Line 15: </td> </tr> <tr> <td> <span>-</span> Credit Unions have many advantages over banks in that credit union membership gives you access to <span>atm</span>s in all 50 states. You can bank anywhere. </td> <td> <span>+</span> Credit Unions have many advantages over banks in that credit union membership gives you access to <span>ATM</span>s in all 50 states. You can bank anywhere. </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2010-05-25 18:35:48CovertProfessor(quick edit) <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 13: </td> <td> Line 13: </td> </tr> <tr> <td> <span>-</span> All of the credit unions in Davis are part of the [http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm Co-Op ATM network], where you can use your credit union ATM card without a fee. There are over 28,000 Co-Op <span>atm</span>s across the country which is more than any other bank. Bank of America for example, only has 18,000 <span>atm</span>s. Co-Op <span>atm</span>s are in every state, while most banks only have <span>atm</span>s in a limited number of states. </td> <td> <span>+</span> All of the credit unions in Davis are part of the [http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm Co-Op ATM network], where you can use your credit union ATM card without a fee. There are over 28,000 Co-Op <span>ATM</span>s across the country which is more than any other bank. Bank of America for example, only has 18,000 <span>ATM</span>s. Co-Op <span>ATM</span>s are in every state, while most banks only have <span>ATM</span>s in a limited number of states. </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2010-05-25 18:35:02CovertProfessorfixing link <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 13: </td> <td> Line 13: </td> </tr> <tr> <td> -<span>&nbsp;All of the credit unions in Davis are part of the</span> Co-Op ATM network<span>&nbsp;[http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm</span>], where you can use your credit union ATM card without a fee. There are over 28,000 Co-Op atms across the country which is more than any other bank. Bank of America for example, only has 18,000 atms. Co-Op atms are in every state, while most banks only have atms in a limited number of states. </td> <td> <span>+ All of the credit unions in Davis are part of the [http://www.co</span>-<span>opnetwork.org/public/consumers/find_atm/index.cfm</span> Co-Op ATM network], where you can use your credit union ATM card without a fee. There are over 28,000 Co-Op atms across the country which is more than any other bank. Bank of America for example, only has 18,000 atms. Co-Op atms are in every state, while most banks only have atms in a limited number of states. </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2010-05-25 18:34:26CovertProfessor <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 3: </td> <td> Line 3: </td> </tr> <tr> <td> <span>-</span> Credit unions are insured by the NCUA(National Credit Union Administration). This insurance is just like the FDIC insurance for banks. Your money is just as safe at a credit union as at a bank. </td> <td> <span>+</span> Credit unions are insured by the NCUA<span>&nbsp;</span>(National Credit Union Administration). This insurance is just like the FDIC insurance for banks. Your money is just as safe at a credit union as at a bank. </td> </tr> <tr> <td> Line 8: </td> <td> Line 8: </td> </tr> <tr> <td> <span>-</span> * ["Golden 1 Credit Union"] First box of checks free with Student Checking </td> <td> <span>+</span> * ["Golden 1 Credit Union"]<span>&nbsp;-</span> First box of checks free with Student Checking </td> </tr> <tr> <td> Line 10: </td> <td> Line 10: </td> </tr> <tr> <td> <span>-</span> * ["USE Credit Union" University and State Employees Credit Union] Free checks, 1 free overdraft per year, no minimum balance, no monthly fee </td> <td> <span>+</span> * ["USE Credit Union" University and State Employees Credit Union]<span>&nbsp;-</span> Free checks, 1 free overdraft per year, no minimum balance, no monthly fee </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2010-05-25 18:17:45MaxLucasupdated info <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 17: </td> <td> Line 17: </td> </tr> <tr> <td> <span>-</span> Some credit unions are part of the CU Service Center network. That means that you can walk into any participating credit union in this network and deposit cash or withdraw cash for free. Golden 1 <span>is a</span> member of this network. That means you have a network of branches to do banking in all 50 states. </td> <td> <span>+</span> Some credit unions are part of the CU Service Center network. That means that you can walk into any participating credit union in this network and deposit cash or withdraw cash for free. <span>USE Credit Union and </span>Golden 1 <span>are</span> member<span>s</span> of this network. That means you have a network<span>&nbsp;of thousands</span> of branches to do banking in all 50 states. </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2010-05-25 16:05:02MaxLucasadded more info <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 8: </td> <td> Line 8: </td> </tr> <tr> <td> <span>-</span> * ["Golden 1 Credit Union"] </td> <td> <span>+</span> * ["Golden 1 Credit Union"]<span>&nbsp;First box of checks free with Student Checking</span> </td> </tr> <tr> <td> Line 10: </td> <td> Line 10: </td> </tr> <tr> <td> <span>-</span> * ["USE Credit Union" University and State Employees Credit Union] </td> <td> <span>+</span> * ["USE Credit Union" University and State Employees Credit Union]<span>&nbsp;Free checks, 1 free overdraft per year, no minimum balance, no monthly fee</span> </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2010-05-25 15:26:12MaxLucasadded more info <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 1: </td> <td> Line 1: </td> </tr> <tr> <td> <span>- '''[wiki:WikiPedia:Credit_Unions Credit unions]''' are the not-for-profit ["cooperatives"] of the financial services industry. Instead of profits going to owners or shareholders, the profits are returned to the members (usually account holders) in the form of lower fees, better loan rates, interest bearing checking accounts, etc. Though they generally offer the same services as ["banks"], credit unions have restrictions on membership, such as residency or employment. Luckily, there are few membership requirements for many of the credit unions in Davis. If you are a student or resident of Yolo County, you are eligible to join one of the Credit Unions in Davis.</span> </td> <td> <span>+ '''[wiki:WikiPedia:Credit_Unions Credit unions]''' are the not-for-profit ["cooperatives"] of the financial services industry. They offer the same services as ["banks"]. Instead of profits going to owners or shareholders, the profits are returned to the members (usually account holders) in the form of lower fees, better loan rates, interest bearing checking accounts, etc. Credit unions do have requirements for membership such as being a residing or working in the county. If you are a student or resident of Yolo County, you are eligible to join one of the Credit Unions in Davis.<br> + <br> + Credit unions are insured by the NCUA(National Credit Union Administration). This insurance is just like the FDIC insurance for banks. Your money is just as safe at a credit union as at a bank.<br> + <br> + Banks are for-profit companies where rich executives and shareholders profit off of your money. Move your money away from corrupt banking corporations that have contributed to the financial crisis and taken bail out money. Credit unions are one way to employ local people to help the local economy. Corrupt bank executives do not deserve your money.</span> </td> </tr> <tr> <td> Line 9: </td> <td> Line 13: </td> </tr> <tr> <td> <span>- There are also many [http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm Co-Op Network ATMs], where (usually) you can use your co-op ATM card without a fee.</span> </td> <td> <span>+ All of the credit unions in Davis are part of the Co-Op ATM network [http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm], where you can use your credit union ATM card without a fee. There are over 28,000 Co-Op atms across the country which is more than any other bank. Bank of America for example, only has 18,000 atms. Co-Op atms are in every state, while most banks only have atms in a limited number of states.<br> + <br> + Credit Unions have many advantages over banks in that credit union membership gives you access to atms in all 50 states. You can bank anywhere.<br> + <br> + Some credit unions are part of the CU Service Center network. That means that you can walk into any participating credit union in this network and deposit cash or withdraw cash for free. Golden 1 is a member of this network. That means you have a network of branches to do banking in all 50 states.</span> </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2010-02-18 12:00:22CovertProfessor <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 11: </td> <td> Line 11: </td> </tr> <tr> <td> <span>-</span> ''Also see ["ATMs"], ["banks"], or perhaps you're interest<span>ing</span> in ["Foreign Currency Exchange"].'' </td> <td> <span>+</span> ''Also see ["ATMs"], ["banks"], or perhaps you're interest<span>ed</span> in ["Foreign Currency Exchange"].'' </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2010-02-18 12:00:03CovertProfessor <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 1: </td> <td> Line 1: </td> </tr> <tr> <td> <span>-</span> '''[wiki:WikiPedia:Credit_Unions Credit unions]''' are the not<span>&nbsp;for </span>profit ["cooperatives"] of the financial services industry. Instead of profits going to owners or shareholders, the profits are returned to the members (usually account holders) in the form of lower fees, better loan rates, interest bearing checking accounts, etc. Though they generally offer the same services as ["banks"], credit unions have restrictions on membership, such as residency or employment. Luckily, there are few membership requirements for many of the credit unions in Davis. If you are a student or resident of Yolo County, you are eligible to join one of the Credit Unions in Davis. </td> <td> <span>+</span> '''[wiki:WikiPedia:Credit_Unions Credit unions]''' are the not<span>-for-</span>profit ["cooperatives"] of the financial services industry. Instead of profits going to owners or shareholders, the profits are returned to the members (usually account holders) in the form of lower fees, better loan rates, interest bearing checking accounts, etc. Though they generally offer the same services as ["banks"], credit unions have restrictions on membership, such as residency or employment. Luckily, there are few membership requirements for many of the credit unions in Davis. If you are a student or resident of Yolo County, you are eligible to join one of the Credit Unions in Davis. </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2010-02-18 00:10:19CovertProfessor <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 9: </td> <td> Line 9: </td> </tr> <tr> <td> <span>-</span> There are also many [http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm Co-Op Network ATMs]<span>. </span> ''Also see ["ATMs"], ["banks"], or perhaps you're interesting in ["Foreign Currency Exchange"].'' </td> <td> <span>+</span> There are also many [http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm Co-Op Network ATMs]<span>, where (usually) you can use your co-op ATM card without a fee.<br> + <br> +</span> ''Also see ["ATMs"], ["banks"], or perhaps you're interesting in ["Foreign Currency Exchange"].'' </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2010-02-18 00:09:16CovertProfessor <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 9: </td> <td> Line 9: </td> </tr> <tr> <td> <span>-</span> There are also many [http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm Co-Op Network ATMs]. </td> <td> <span>+</span> There are also many [http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm Co-Op Network ATMs].<span>&nbsp;&nbsp;''Also see ["ATMs"], ["banks"], or perhaps you're interesting in ["Foreign Currency Exchange"].''</span> </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2010-02-18 00:08:08CovertProfessor <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 1: </td> <td> Line 1: </td> </tr> <tr> <td> <span>- </span>[wiki:WikiPedia:Credit_Unions Credit unions] are the not for profit ["cooperatives"] of the financial services industry. Instead of profits going to owners or shareholders, the profits are returned to the members (usually account holders) in the form of lower fees, better loan rates, interest bearing checking accounts, etc. Though they generally offer the same services as ["banks"], credit unions have restrictions on membership, such as residency or employment. Luckily, there are few membership requirements for many of the credit unions in Davis. If you are a student or resident of Yolo County, you are eligible to join one of the Credit Unions in Davis. </td> <td> <span>+ '''</span>[wiki:WikiPedia:Credit_Unions Credit unions]<span>'''</span> are the not for profit ["cooperatives"] of the financial services industry. Instead of profits going to owners or shareholders, the profits are returned to the members (usually account holders) in the form of lower fees, better loan rates, interest bearing checking accounts, etc. Though they generally offer the same services as ["banks"], credit unions have restrictions on membership, such as residency or employment. Luckily, there are few membership requirements for many of the credit unions in Davis. If you are a student or resident of Yolo County, you are eligible to join one of the Credit Unions in Davis. </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2010-02-18 00:05:05CovertProfessor <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 1: </td> <td> Line 1: </td> </tr> <tr> <td> <span>-</span> [wiki:WikiPedia:Credit_Unions Credit unions] are the ["cooperatives"] of the financial services industry. Instead of profits going to owners or shareholders, the profits are returned to the members (usually account holders) in the form of lower fees, better loan rates, interest bearing checking accounts, etc. Though they generally offer the same services as ["banks"], credit unions have restrictions on membership, such as residency or employment. Luckily, there are few membership requirements for many of the credit unions in Davis. If you are a student or resident of Yolo County, you are eligible to join one of the Credit Unions in Davis. </td> <td> <span>+</span> [wiki:WikiPedia:Credit_Unions Credit unions] are the<span>&nbsp;not for profit</span> ["cooperatives"] of the financial services industry. Instead of profits going to owners or shareholders, the profits are returned to the members (usually account holders) in the form of lower fees, better loan rates, interest bearing checking accounts, etc. Though they generally offer the same services as ["banks"], credit unions have restrictions on membership, such as residency or employment. Luckily, there are few membership requirements for many of the credit unions in Davis. If you are a student or resident of Yolo County, you are eligible to join one of the Credit Unions in Davis. </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2010-02-18 00:04:06CovertProfessormoving content from banks page <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 1: </td> <td> Line 1: </td> </tr> <tr> <td> <span>-</span> [wiki:WikiPedia:Credit_Unions Credit unions] are the ["cooperatives"] of the financial services industry. Instead of profits going to owners or shareholders, the profits are returned to the members (usually account holders) in the form of lower fees, better loan rates, interest bearing checking accounts, etc. Though they generally offer the same services as ["banks"], credit unions have restrictions on membership, such as residency or employment. </td> <td> <span>+</span> [wiki:WikiPedia:Credit_Unions Credit unions] are the ["cooperatives"] of the financial services industry. Instead of profits going to owners or shareholders, the profits are returned to the members (usually account holders) in the form of lower fees, better loan rates, interest bearing checking accounts, etc. Though they generally offer the same services as ["banks"], credit unions have restrictions on membership, such as residency or employment.<span>&nbsp;&nbsp;Luckily, there are few membership requirements for many of the credit unions in Davis. If you are a student or resident of Yolo County, you are eligible to join one of the Credit Unions in Davis.</span> </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2006-03-02 20:33:48AndrewChenLinked Wikipedia, banks; +note about membership <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 1: </td> <td> Line 1: </td> </tr> <tr> <td> <span>- </span>Credit<span>&nbsp;</span>Unions are the ["cooperatives"] of the financial services industry. Instead of profits going to owners or shareholders, the profits are returned to the members (usually account holders) in the form of lower fees, better loan rates, interest bearing checking accounts, etc. </td> <td> <span>+ [wiki:WikiPedia:</span>Credit<span>_</span>Unions<span>&nbsp;Credit unions]</span> are the ["cooperatives"] of the financial services industry. Instead of profits going to owners or shareholders, the profits are returned to the members (usually account holders) in the form of lower fees, better loan rates, interest bearing checking accounts, etc.<span>&nbsp;Though they generally offer the same services as ["banks"], credit unions have restrictions on membership, such as residency or employment.</span> </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2006-03-02 12:18:59AndrewChen+Travis <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 5: </td> <td> Line 5: </td> </tr> <tr> <td> </td> <td> <span>+ * ["Travis Credit Union"]</span> </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2006-02-04 16:32:46SteveLambertadded info <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 1: </td> <td> Line 1: </td> </tr> <tr> <td> <span>-</span> Credit Unions are the ["cooperatives"] of the financial services industry. Instead of profits going to owners or shareholders, the profits are returned to the members (<span>at least in theor</span>y)<span>, </span>w<span>hich are usually account holders</span>. </td> <td> <span>+</span> Credit Unions are the ["cooperatives"] of the financial services industry. Instead of profits going to owners or shareholders, the profits are returned to the members (<span>usuall</span>y<span>&nbsp;account holders</span>)<span>&nbsp;in the form of lo</span>w<span>er fees, better loan rates, interest bearing checking accounts, etc</span>. </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2006-01-31 18:27:06JaimeRaba <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 1: </td> <td> Line 1: </td> </tr> <tr> <td> <span>-</span> Credit Unions are the ["cooperatives"] of the financial services industry. Instead of profits going to owners or shareholders, the profits are returned to the members, which are usually account holders. </td> <td> <span>+</span> Credit Unions are the ["cooperatives"] of the financial services industry. Instead of profits going to owners or shareholders, the profits are returned to the members<span>&nbsp;(at least in theory)</span>, which are usually account holders. </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2006-01-31 18:13:36SteveLambertadded Davis credit unions. There might be more... <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 2: </td> <td> Line 2: </td> </tr> <tr> <td> </td> <td> <span>+ <br> + Credit Unions in Davis include:<br> + * ["Golden 1 Credit Union"]<br> + * ["USE Credit Union" University and State Employees Credit Union]<br> + * ["Yolo Federal Credit Union"]<br> + <br> + There are also many [http://www.co-opnetwork.org/public/consumers/find_atm/index.cfm Co-Op Network ATMs].</span> </td> </tr> </table> </div> Credit Unionshttp://daviswiki.org/Credit_Unions2005-12-27 18:11:21SteveDavisonNeeded by Cooperatives page, etc. <div id="content" class="wikipage content"> Differences for Credit Unions<p><strong></strong></p><table> <tr> <td> <span> Deletions are marked with - . </span> </td> <td> <span> Additions are marked with +. </span> </td> </tr> <tr> <td> Line 1: </td> <td> Line 1: </td> </tr> <tr> <td> </td> <td> <span>+ Credit Unions are the ["cooperatives"] of the financial services industry. Instead of profits going to owners or shareholders, the profits are returned to the members, which are usually account holders.</span> </td> </tr> </table> </div>