NCSECU saves me money :0)
I've belonged to quite a few banks and credit unions over the years. And I have to say that I definately prefer Credit Unions to a bank. When I moved away from home I also left behind my military credit unions which I had belonged to for as long as I can recall (Navy Federal and Cherry Point). It was quite a shock for me when I learned that most banks do not give interest on checking accounts...who knew?
Anyway, I am happy to tell you that I have found a local alternative...North Carolina State Employee's Credit Union. There is one in just about every town in NC so it's easy access no matter where my work sends me :0) And no, I do not work and have never worked for the state. But did you know that you can join if you have a FAMILY member who belongs? I didn't know this for a good 10 years probably. Well, live and learn right?
Anyway, NCSECU is great. Some of the most important benifits to having an account here is that I get free checking, no charges from THEM at ATMs, discount tickets to many ammusement parks, and interest on my checking AND savings :0)
The con is that unlike some of the banks I've used, they do not have overdraft protection; instead, they will use your savings if you go over the amount in your checking. This is ok IF you have extra money in your savings...which I do not. So, essentially I've had to do without over-draft protection.
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NC State Employee Credit Union It was a gift Category: Finances & Insurance / Credit Unions Published: August 03, 2008 14:07
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Rank: 52nd (
1)
ShareScore: 97%
Gender: Female
Education Level: post_graduate
Country: United States
Industry: Health
Position: Social Work
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Tucson Federal Credit Union
I love my credit union, even if like yours it doesn't offer true overdraft protection. But the perks of most credit uniuon memberships are so worth it.
You are soooo right. I never want to go back to a bank :0)
It does sound like credit unions have a lot of extras that banks don't-we have been looking into credit unions!