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Questions to Ask About Credit Unions

In general a credit union will perform many of the same functions as a bank. However, they may offer a better interest rate if you want to save money. They may also offer lower rates on loans, for example if you need to finance a large purchase. Below are some questions to ask when looking to open an account.

  • Is membership restricted to residents of the local community?
    Depositors are referred to as members instead of as customers. However, membership is limited to those that share a common bond, such as living in the same community, working for the same company, or being in the same profession.

  • What are your interest rates on an account and/or a loan?
    These institutions typically offer very competitive rates to their members to finance purchases. However, the terminology is sometimes different than you are used to when dealing with a bank. For example a checking account is referred to as a share draft account. A check is referred to as a share-draft.

  • What type of insurance do you have for accounts?
    All federal institutions of this type are insured by the National Credit Union Association. The NCUA is a regulatory agency and is also responsible for chartering and examining the federal institutions. However, accounts in many state-chartered institutions also may be insured by the NCUA, as is sometimes required by state law.

  • Are there any restrictions on when and how I can retrieve my money?
    If you open a standard share draft account, the funds should be what is termed demand deposit, meaning that they are subject to withdrawal on demand. However if you decide to get a better interest rate by for example purchasing a certificate of deposit, then you will have to leave your money for the agreed fixed period of time or pay a penalty.
  • LendingTree, LLC
    Providing a convenient and cost effective way to do your banking at our local Irvine area credit unions. Don't trust big banks with hidden fees and choose our affordable credit unions.
    Write review for this local business

    STANDARD LISTINGS:   CREDIT-UNIONS IN/NEAR IRVINE
    Orange County Credit Union Write review for this local business
    1701 E Saint Andrew Pl, Santa Ana, CA 92705
    (714) 755-5900  
    Patriots Federal Credit Union Write review for this local business
    431 N Tustin Ave Ste A, Santa Ana, CA 92705
    (714) 285-9601  
    Credit Union of Southern California Write review for this local business
    1400 S Grand Ave, Santa Ana, CA 92705
    (714) 550-7485  
    First Financial Federal Credit Union Write review for this local business
    1401 N Tustin Ave, Santa Ana, CA 92705
    (800) 537-8491  
    Cherry Efcu Write review for this local business
    1224 E Warner Ave, Santa Ana, CA 92705
    (714) 708-2435  
    Electro Sav Cre Write review for this local business
    14511 Franklin Ave, Tustin, CA 92780
    (714) 544-3609  
    Schoolsfirst Federal Credit Union Write review for this local business
    15442 Newport Ave, Tustin, CA 92780
    (714) 258-4000  
    Schoolsfirst Federal Credit Union Write review for this local business
    5305 Alton Pkwy, Irvine, CA 92604
    (714) 258-4000  
    Patriots Federal Credit Union Write review for this local business
    1631 Edinger Ave Ste 104, Tustin, CA 92780
    (714) 258-7780  
    Schoolsfirst Fcu Write review for this local business
    13522 Newport Ave, Tustin, CA 92780
    (714) 258-4000  
    Suncore Write review for this local business
    25 Corporate Park, Irvine, CA 92606
    (949) 450-0054  
    Mission Federal Credit Union Write review for this local business
    17222 Von Karman Ave, Irvine, CA 92614
    (949) 863-1884  
    Santa ANA Federal Credit Union Write review for this local business
    800 W Santa Ana Blvd, Santa Ana, CA 92701
    (714) 834-1341  
    Schoolsfirst Federal Credit Union Write review for this local business
    8152 E Santa Ana Canyon Rd, Anaheim, CA 92808
    (800) 462-8328  
    Orange Countys Credit Union Write review for this local business
    856 N Ross St, Santa Ana, CA 92701
    (714) 547-0097  
    First City Credit Union Write review for this local business
    2681 Kelvin Ave, Irvine, CA 92614
    (949) 777-4400  
    Schoolsfirst Federal Credit Union Write review for this local business
    2115 N Broadway, Santa Ana, CA 92706
    (714) 258-4000  
    Pacific Community Credit Union Write review for this local business
    18600 Von Karman Ave, Irvine, CA 92612
    (949) 476-2095  
    Pre-Banc Business Credit Inc. Write review for this local business
    2042 Business Center Dr Ste 202, Irvine, CA 92612
    (949) 955-2262  
    Eagle Community Credit Union Write review for this local business
    23021 Lake Center Dr, Lake Forest, CA 92630
    (949) 588-9400  
    Polish-American Federal Credit Union Write review for this local business
    1700 N Tustin St, Orange, CA 92865
    (714) 998-1016  
    American First Credit Union Write review for this local business
    1010 W Chapman Ave Ste 100, Orange, CA 92868
    (714) 744-1474  
    Health Associates Federal Cred Write review for this local business
    530 S Main St Ste 100, Orange, CA 92868
    (714) 972-2992  
    EDS Credit Union Write review for this local business
    1 First American Way, Santa Ana, CA 92707
    (657) 622-5354  

    In today's busy world, it's more important than ever to manage your finances well and make sound, legal investments. It's also important to feel like you're part of a community of like-minded, financially independent individuals.

    But few people understand exactly how most finance institutions work, and they are often unsure whether they ought to invest in a bank, or credit union, or some other institution entirely. Many people aren't entirely sure how credit unions differ from banks in the first place.

    With a little research, though , you'll learn that credit unions, which are usually smaller than banks, offer approved individuals a wonderful way to invest their money.

    These unions offer many of the same services as banks Customers can rely on them for their home equity and loan needs. They can also use them to make credit card purchases and finance their newest automobile. Checking and savings accounts are also commonly offered. Even ATM use is offered, just like at a bank. But, unlike banks, union interest rates are established by a volunteer board of directors, and that board is elected directly by the members.

    In the United States credit unions can be chartered by the federal or state government. Estimates suggest that 86 million Americans are members of either a federal or state union.

    Credit unions are safe, secure, and they offer members a wonderful sense of community and a wonderful way to manage their personal finances.

    So, If the idea of becoming a member sounds appealing to you, contact a union to apply today and start to save your money instantly!



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