揭穿信用合作社的5个神话

Whether you're stepping out on your own for the first time or recently moved to a new city, choosing a financial institution you can trust is a top priority. As you settle into your new environment, you'll soon discover that a financial partner should do more than offer a sign-up bonus for opening a checking account. 

Financial needs change over time, and your institution should be ready to support you along the way. 个性化服务, 更高的储蓄率, and flexible loan terms are just a few reasons a credit union should be on your list of banking options. Credit unions offer many of the same services and features available at a traditional bank and often do so at a lower cost. 

Read on to learn about five myths that may be keeping you from enjoying the benefits of credit union membership.

误解1:信用合作社是老派的.

Just like banks, credit unions offer high-tech solutions to fit your lifestyle. Members can take advantage of free online and mobile banking options to safely manage their money. 在科罗拉多信用社， 电子沙巴买球 使它很容易: 

• 用手机存支票
• Pair your Smart Watch with a Mobile 沙巴买球ing app to easily track balances and transactions 
• 访问文本沙巴买球
• View account balances and pending transactions
• Pay bills and transfer funds between accounts (including loan payments)
• Schedule recurring transfers across accounts
• 和更多的!

Myth #2 - Credit unions make it hard to access cash when you travel.

An internet connection and an electronic device are all you need to complete most of your credit union transactions. But what if you're out of town and find yourself short on cash? Credit unions can ensure you have ready access to your money 24/7. 

Credit Union of Colorado members have access to two large surcharge-free ATM networks with over 62,000 ATM's throughout the United States and Canada for use with a Credit Union of Colorado ATM or Debit card. Members can quickly locate surcharge-free ATMs and deposit-taking ATMs with just a few clicks with our online ATM定位器.

误解3:我的钱存在沙巴买球更安全.

While banks and credit unions have distinct differences, safety is not one of them. They must each comply with strict financial laws and regulations that protect consumers. Account deposits are insured for up to $250,000 at both federally insured banks and credit unions. 

Federal deposit insurance is provided by the National Credit Union Administration (NCUA) for insured credit unions and the Federal Deposit Insurance Corporation (FDIC) for insured banks.

Myth #4 - Financial services are limited to personal checking and savings accounts.

Basic financial accounts are only the beginning of your journey as a credit union member. As your finances change, so will your financial management needs. Credit unions can help you every step of the way by offering: 

• 投资服务 - Qualified professionals who can help you plan for retirement, 大学费用, 或者其他沙巴买球.
• Financial Wellness Services - Free one-on-one financial counseling and financial education resources 
• Business Services - Small businesses have access to various accounts and funding options, including 商业储蓄，支票账户、货币市场账户; 贷款和信用卡 
• A variety of home, personal, and vehicle loan 类型，以满足您的需求.

Myth #5 - You have to belong to a select group to become a credit union member.

You don't need to meet strict membership requirements to join a credit union. Qualifying for membership at the Credit Union of Colorado is simple and takes only 10 minutes. For those who live in the United States, we're confident you'll be eligible to enjoy the benefits of membership.

Are you ready to experience the credit union membership difference? 成为会员 by opening an account online or by visiting a friendly branch location today. Our membership representatives are also available by phone to answer questions. 联系他们的电话是800-444-4816.

*Anyone who resides or operates a business located in the United States of America and its territories can become a member of the 科罗拉多信用社基金会.