Why Should I Use a Credit Union

I’m lazy.  I can admit it.  I go out of my way to avoid work whenever possible.  Do you ever read the Dilbert comic strip?  My hero is Wally.  Believe it or not, I know something lazier than myself and Wally put together: my money.  I work hard avoiding work so I can deposit a paycheck into my checking account twice a month.  Want to know what that paycheck does?  Nothing.  I decided I should do something about that and found credit unions.

How Do I Qualify For a Credit Union

I know what you’re saying now, “But credit unions are elite clubs.  I have to be part of a privileged group just to get in the door, like Sam’s Club.”  I’m here to tell you it’s not that hard.  There are thousands of credit unions in the United States.  It’s true that some of them require things like military service or employment with a certain company, but not all credit unions are that exclusive.  A lot of them only require that you live, work, worship, or go to school in a specific city or even state.  Also, you can usually qualify if you’re related to someone who matches the credit union’s criteria.

How Do I Find a Credit Union

Now that we know we can join a credit union by being alive and awake, how do we go about finding a credit union to join?  Give these a try; if they don’t work you’ll have to get creative.

  • Get online – we lazy people don’t like to leave our chairs and talk to people so we love our computers with their internet access.  Do a quick search for credit unions in your area and find out what’s closest to your house and has the lowest standards, I mean who has the right criteria for your needs.
  • Talk to people – On your next trip to the bathroom at the office, talk to everyone you pass.  Lean a little further over the fence the next time the neighbors are in the yard.  Derail the ladies’ gossip circle at church.  Ask everyone you pass in a week where they bank.  If they use a credit union, get some details.
  • If you’re feeling really adventurous or just want to get back to your roots, pull out a phone book and look under “credit unions” in the yellow pages.
  • When all else fails, go to http://www.ncua.gov/Contact.aspx and contact someone at the National Credit Union Administration.

How Do I Join a Credit Union

Collect some information and decide which credit union you qualify for that best fits your circumstances.  When you have a credit union chosen, give them a call or swing by on your next fast food run.  One of the friendly employees will get you all set up so you can get back to your mid-day catnap.

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