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Old 05-11-2011, 07:42 PM   #31
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yet at the same time with the BSE crisis the local credit union took my parents house and office..

they are a financial institution and not a bank and so then they do not have to play by all the rules.

the house was current, the office was behind. they moved the balances around on both mortgages and put the house payment over 1000/month which parents could not pay + bills + office mortgage and bills. Parents went to a lawyer and there was nothing legally to do. they ended up loosing both and the credit union got stuck with the office and house. parents went to TD and BMO and so far have not had a single problem since.
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Old 05-11-2011, 08:25 PM   #32
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parents went to TD and BMO and so far have not had a single problem since.
What are TD and BMO? Banks?



On a lighter side -
Years ago grandma received a letter stating that her account was over drawn and that she needed to make a deposit. She responded by sending the bank a check (same account) to be deposited into her account. Bank contacted my sister to explain the situtation. Grandma never understood why that didn't work out....

Remember back in the day when you used to have a relationship with businesses ? (Just like my grandma had with her bank)
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Old 05-12-2011, 10:01 AM   #33
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What are TD and BMO? Banks?
Toronto Dominion and Bank of Montreal.

TD is also First Trust bank just TD is the new name.
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Old 05-12-2011, 10:30 AM   #34
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our credit union have great car rates, but their RV loans are not cheap nor long term - max is 84 months at 9.9%. We got 120 months at 6.95% and plan to pay it off early, but it's nice to know the payment's low should 'life' interrupt our plans.
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Old 05-12-2011, 11:20 AM   #35
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our credit union have great car rates, but their RV loans are not cheap nor long term - max is 84 months at 9.9%. We got 120 months at 6.95% and plan to pay it off early, but it's nice to know the payment's low should 'life' interrupt our plans.
We got a rate of 6.75% from our CU for 120 months. I agree though, should "life" interrupt our plans to pay it off early, at least the payment is low enough to "survive."
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Old 05-12-2011, 11:25 AM   #36
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When I joined Boeing in 1968, I also joined the Employees' CU. Back then, they didn't do much except offer savings accounts. As things developed over the years, CU's were given the rights to offer checking accounts, home loans, etc. We have our mortgage with them, we financed all the cars we've bought over the years.

For a long time, you had to be an employee of the company or a close relative to be a member. A few years back they opened it up to anyone in the state of Washington, and after the various mergers, the relcation of corporate HQ to Chicago and the setting up of the Charleston plant, it's now open to anyone in the US.

We found that, as the conventional banks got bigger, they got more arrogant. What was Seattle First National Bank (a friendly local operation) eventually got swallowed up into Bank of America. Others were eaten up by US Bank, Chase, etc.

I hope the CUs are able to keep their non-profit status and keep up the good service. We're seeing a few glitches at BECU since it went nationwide, mainly due to some operations being set up in other states and not having good interdivisional communications. They're still a good outfit, though.
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Old 05-12-2011, 07:48 PM   #37
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CU is the only way to go
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Old 06-06-2011, 05:38 PM   #38
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Went through a CU and got 5.25% for 120 mo. The dealer couldn't believe it and actually called the CU in front of us because he thought it was a mistake.
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Old 06-06-2011, 06:12 PM   #39
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I work for one of the largest financial institutions in the US, but they couldn't even come close to the rate we got from our credit union even with the employee discount. Our CU was offering a full 2% off of their normal rates for a limited time, plus we get a discount for automatic draft and for having a credit card with them. Wound up getting the new TT @ 3.75% for 120 mos. Best the dealer could do was 5.50%, and it was funny to watch their mouths drop when I told them the rate we got from the CU. With rates being so low for a limited amount of time, we went ahead and upgraded the TV from an '07 F150 with 46k miles, to an '08 F250 with 32k miles that we financed at 3.69%. We love our credit union!
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Old 06-06-2011, 06:39 PM   #40
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We are pretty happy with USAA. Though they do not advertise to the general public, only their insurance is limited to military members. Their Bank and Brokerage services are open to everyone (but don't tell anyone).
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