North Carolina
In Raleigh, North Carolina, new owners John and Jennifer Hall has made a smart decision: instead of choosing mortgages risk through a bank - a decision that has been catastrophic for many of their contemporaries, the couple applied for a loan through Credit Union of North Carolina State Employees' (SECU).
The couple did their homework and concluded that it was more meaningful to work with non-profit cooperative financial to buy their first home. Besides a reduction of fees and closing costs, SECU has done something that others do not: a credit union employee sat with the couple to explain the advantages and disadvantages of different mortgage options. Because employees Credit union members are NCOs, there was no pressure, allowing the couple to see the body as a trusted advisor.
"It So many young people do not realize the advantage of going with a co-op, "said John, who believes that all residents of North Carolina benefit of non-financial cooperatives, non-profit helping to keep other financial institutions in check by ensuring that citizens remain eligible at competitive rates and fees. "Being a member can make a huge difference in your financial life!"
You Belong
Are you frustrated by your bank? You may be tired of paying taxes without end, high interest rates and receiving customer service poor. And in light of the current financial crisis, you find yourself in May for those with good credit knows the difficulty in obtaining a car loan or a housing, the result of tightened lending standards because of the banking industry personnel.
Fortunately, you have a choice.
Credit unions offer is a fresh alternative to bank financing while providing the same types of services. As a member of a credit union, you can open a checking account or savings, you can buy a certificate of deposit and get a loan. Some credit unions may even help you invest for your retirement or take financial planning classes before buying your first home.
Credit unions are cooperatives, owned by members (applicants) who have something in common, such as their place of work, live or go to church. Because credit unions tend to be smaller and cater to a small group of people, we can expect a more personal relationship between staff and members.
Unlike commercial banks that generate profits for owners and outside shareholders, credit unions channel profits its members in the form of lower fees, better interest rates and higher dividends. According to the American Banker / survey Gallup, credit unions still rank high among consumers for service and customer satisfaction every year since 1983.
Keep your money safe
Credit unions have emerged as a safe haven for consumers. Because credit unions avoided credit risk and exotic investments that brought down so many banks, they remain relatively unscathed by the recent financial crisis, members of credit unions have peace of mind knowing that their money is safe.
Credit unions are financially strong because they adhere to prudent banking practices, such as requiring payments and verification of income on mortgages. While many banks are chasing ever more exotic ways to make money, credit stuck at the base.
Many people are reluctant to put their money into the hands of a credit union because they believe that the fund is not insured by the FDIC. Nothing could be more from the truth. As banks and savings institutions, credit union deposits are insured up of $ 250,000 by the federal government, offering the same level of protection of assets investors as any bank.
Credit Unions Still Loans
Commercial banks have recently reduced lending, even people with good credit. The result is that many consumers have hard to go home and car loans through tightened credit standards.
This is not the case with credit unions, which continue making loans available to people with positive credit history. In fact, credit unions are today more high volumes of loans that consumers are turning to them more since the recent collapse of the banking sector.
According to CUNA, credit unions made 36 percent of loans to smaller firms in the first half of 2008 than the same period in 2007, a reflection in part of the ability of credit unions to lend as banks horde cash.
However, as traditional banks avoid lending even to creditworthy buyers, credit unions are willing to take a larger share of the traditional lending - including houses, cars and loans to small businesses.
Join a Credit Union today!
If, once associated with unions, hospitals, universities and other major employee groups, credit unions are increasingly open to the public. There are also "Select employee groups that members of the Credit Union offers a network of affiliated companies.
You will find many reasons to join a credit union, including:
As of 2005, there are 9346 credit unions in the United States, This means that any consumer can find a credit union, they are eligible to join.
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STATE OF NORTH CAROLINA 14.6 GRAM STERLING SILVER MEDAL $10.99 |
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1863 $3 Raleigh, NC- State of North Carolina PCGS 62 $169.99 |
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1863 $1 State of NORTH CAROLINA Civil War era $23.00 |
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Unc U.S. $2 Bill LegalTenderw/North Carolina Inlay/Note $14.95 |
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10c 1862 STATE OF NORTH CAROLINA 4 SUBJECT UNCUT SHEET $73.77 |
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2001-D PCGS MS67 NORTH CAROLINA FLAG St. Quarter $9.50 |
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2001-P PCGS MS68 NORTH CAROLINA FLAG State Quarter $8.51 |
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COLORIZED STATE QUARTERS 2001 P D NORTH CAROLINA w/COA $0.99 |
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2001-S North Carolina Silver Qtr PCGS PR69DCAM w/flag! $3.25 |
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2001 P North Carolina State BU Washington Quarter Coin $1.65 |
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2001-S PROOF CLAD NORTH CAROLINA STATE QUARTER $0.99 |
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2001 S NORTH CAROLINA CLAD QUARTER NGC PF69 ULTRA CAMEO $8.25 |
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2001-D~~PERFECT UNCIRCULATED~~NORTH CAROLINA QUARTER $7.95 |
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STATE QUARTER "NORTH CAROLINA" 2001D OR P $0.01 |
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2001 D North Carolina State Ch BU Washington Quarter $2.35 |
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2001 S North Carolina State Gem Proof Clad Quarter Coin $9.95 |
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1863 25 Cent State Of North Carolina Note SCARCE REV. $34.95 |
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North Carolina Quarter Dollar 2001 D BU Coinhut2086 $1.60 |
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2001 S North Carolina State Gem Proof Silver Quarter $17.95 |
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2001 NORTH CAROLINA BU BANK ROLL P Mint H/T STRING &SON $17.00 |
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2001 NORTH CAROLINA BU BANK ROLL D Mint Heads/Tails $17.00 |
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2001 P NORTH CAROLINA STATE QUARTER CHOICE/GEM BU $1.00 |
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2001 D NORTH CAROLINA STATE QUARTER CHOICE/GEM BU $1.00 |
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2001 S North Carolina State Gem Proof Clad Quarter Coin $9.95 |
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► USA Banknote NM-122 North Carolina State Note unc $0.89 |
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BU ROLL OF NORTH CAROLINA STATE QUARTERS P MINT $15.00 |
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2001 P North Carolina State BU Washington Quarter Coin $1.65 |
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1863 $50 NORTH CAROLINA OBSOLETE BANK NOTE, PCGS AU55 $125.00 |
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2001 P North Carolina State BU Washington Quarter Coin $1.65 |
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2001 D North Carolina State BU Washington Quarter Coin $1.55 |
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blowout sale* Washington, NORTH CAROLINA- $5 PCGS 63 $188.88 |
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2001 S 90% SILVER NORTH CAROLINA DEEP CAMEO GEM PROOF $12.95 |
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2001 D North Carolina State BU Washington Quarter Coin $1.55 |
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2001 P North Carolina State BU Washington Quarter Coin $1.65 |
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2001 D North Carolina State BU Washington Quarter Coin $1.55 |
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25 USA Cent The 50 State Quarter NORTH CAROLINA 2001 D $0.95 |
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Circulated VF 2001 P North Carolina State Quarter $0.25 |
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COOLEEMEE WATER & POWER COMPANY North Carolina stock $4.99 |
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2001 D North Carolina Quarter USA Coin $0.74 |
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2001-S FLAG SILVER NORTH CAROLINA QUARTER PR69DCAM PCGS $10.59 |
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1860 $5 Murphy NORTH CAROLINA note w/ INDIAN & SLAVES! $95.00 |
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BANK OF WASHINGTON NORTH CAROLINA $3 PMG 65 EPQ $125.00 |
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1859 $5 The State of NORTH CAROLINA note CIVIL WAR era $65.00 |
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1860 NORTH CAROLINA MINERS PLANTERS OBSOLETE BANK NOTE $40.81 |
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1964 LUCKY PENNY Motor Medic CHARLOTTE North Carolina $0.99 |
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2001 D North Carolina State BU Washington Quarter Coin $1.55 |
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2001 D North Carolina State Ch BU Washington Quarter $2.35 |
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2001 S North Carolina State Gem Proof Clad Quarter Coin $9.95 |
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2001 D North Carolina State Ch BU Washington Quarter $2.35 |
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2001 S North Carolina State Gem Proof Clad Quarter Coin $9.95 |
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North Carolina Tar Heels Key Chain Lanyard Sale Price: $6.99  |
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This North Carolina Tar Heels lanyard key chain slips over your neck. Key chain clips off neck piece for easy access. It is about a 30 inch necklace, so it hangs down below your neck. about 12-15 inches... |
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University of North Carolina Pennant Only 2 left! Sale Price: $2.43 |
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Wrightsville Beach North Carolina Vintage Travel Poster Sale Price: $30.95 |
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The elegant, dynamic Art Deco style of Beach Town Posters has stood the test of time. Created by internationally known artist Aurelio Grisanty, this ongoing series of retro art posters celebrates landmark Atlantic beach towns... |
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Thin Blue Line North Carolina State Decal Sale Price: $7.50 |
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Full color decal produced on 100% reflective material. Copyright 2008 4 inch Window size Decal. |
