Going from a bank to a credit union?

[DeusExMachina]

Pscu is open till 6 every day and I think 12:30 or 1 on Saturdays. Overall they're open more than Key.

[Irving]

Thanks, that's good to know. I should switch. Be nice to get my credit back on track as well. I used to have Key Bank, but I was getting unauthorized money taken out of my account and they wouldn't do anything about it, so I ditched them. That was about 10 years ago though.

[Busta Prima]

I've been with credit unions for the past 25 years and I'll never go back.

As for Wells Fargo . . . while perhaps not the greatest bank, I have to say their mortgage side is fantastic. Always the best rates, great service and even if they choose to sell your loan, they keep the servicing in house which makes it seamless to you.

[lebru]

ive got a killer rate from wells on my CC and Car loan....I don't think i'll go anywhere else. They are one of the only places I know that actually rewards you for loyalty (customer since 1988)


my CC interest rate is 3% apr and cash advances are 8-10% based on amount. hard to beat that. Not to mention their online banking is the best in the world.


Though, I have heard Credit Unions are a great alternative. For instance, denver fire's credit union has great perks for fire dept employees.

[Irving]

3% is pretty amazing for a credit card. Maybe I should consider Wells Fargo.

[Uberjager]

3% is pretty amazing for a credit card. Maybe I should consider Wells Fargo.

Last time I was in there, I went to cash bonds. I was met with a ton of "sales pressure". Like I was getting hounded to get a credit card, student loans, open up new accounts, et cetera.

ETA: I've been a customer since 1999.

[Irving]

The cross selling at the teller is pretty annoying, especially when you are making a deposit, and you get asked if you want to open an account with them.

[lebru]

3% is pretty amazing for a credit card. Maybe I should consider Wells Fargo.

I've seen some credit unions that low. I had to negotiate my rate down this low after threatening to close my account. Basically, you call and say "I want to talk to an account closing specialist". They transfer you, and you basically just say I want to close my account #XXX . They will offer you some incentives to not cancel, and you can usually negotiate from there. I negotiated this last year after having that line of credit for 5 years, and since I was a customer for 22 years they were extremely generous to me. YMMV. But yes, the tellers being sales people is rather annoying. I stick to online banking and direct deposit.

My rate wasn't very high to begin with, it was like 6.5% or something? I opened it at 8-10% variable and they dropped it after a few years after I opened it because I had a great payment record.

[hammer03]

Been a credit union member since I was a little kid, out of state. Customer service is always fantastic, lots of free perks, car finder service, low interest rates on loans/cards, higher than average rates on cd's and savings... The only downside is if you ever move, and they don't have branches in your new area. Much of my banking can be done online, but since they are so far away I had to get a local bank to get instant access if the need came up.

[ghettodub]

Bellco Credit Union

Same for me. I went from First Bank to Bellco and I'm much happier