List of Mortgage Companies

Credit Unions? Okay, I've never understood credit unions. Can you just sign up with one? Or do you have to be employed with a certain company?

Credit unions? How will credit unions help me with my FICO score?

What is the situation between Credit Unions and Commercial Banks? In my Principles of Banking and Finance class , my professor wants us to write about the situation and issues going on. I have googled and used yahoo search but cannot find anything that seems relevant. Any ideas on what he is talking about? It is an online class so I can tell you that his question is stated exactly like this: "In this country we have situation between Credit Unions and commercial banks. What is going on? What are the issues? You may have to do a little Web research to answer this question." Please let me know of any ideas you may have. Thank You.

What are the differences between banks and credit unions? I am looking into setting up a new account but I'm not sure which way to go. I have always belonged to credit unions but I am curious to know the differences between the CUs and banks.

Why have credit unions grown in popularity over the years? I have an assignment and the question is: Credit unions have grown in popularity over the years. Why do you think so? So how about you help answering the question for me. Thanks in advance. Please provide some resources.

Do federal credit unions normally charge a fee for accepting IRA transfer? I am interested in transferring my IRA money from the investment firm to my new IRA CD account with the local federal credit union. Do federal credit unions normally charge a fee for that? Or do investment firms normally charge a fee for that? I could not get info on that. I understand it might be different depending on credit unions. But I am just wondering if they do or not as a common standard. Does anyone know? Thank you.

What is the maximum number of days allowed by banks and credit unions to allow for first payment on a new loan? With the new credit card bill passed by congress, as a credit union, we want to know what is the maximum amount of days the banks and credit unions will allow by law to extend the first payment on an open end loan. Is there a regulation that cites this?

What are the major differences between federally chartered and state chartered credit unions? I suspect that federally chartered credit unions have more restrictive 'fields of membership', but I haven't found any documentation proving that.

Are Credit Unions a profitable investment in the stock markets? If so which credit unions are doing the best? As opposed to banking industry.

How does the recent "credit crunch" effect credit unions? Ranging from small to very large credit unions, how does the credit crunch effect the financial stability of a credit union? Also, how does it effect the overall ability of a credit union to make loans (mortgage, personal, auto, credit card)?

where are some of the best Atlanta area credit unions for a new Georgia resident? I'm a new Georgia resident looking for a good credit union to put my money and to re- establish my credit. Are there any credit unions in metro ATL that can help?

How safe are your accounts deposited in Credit Unions ? Credit Unions with FDIC insurance cover accounts up to $250.000. How safe are your Monies over this limit in the same Credit Union?

When can a company; firm etc send your name to and when will credit unions accept? An utility turned in my failure to pay which was wrong because I had time and time again requested a itemized billing. When can(will) the credit unions accept the letter that there is a payment to be made?

Credit unions. How can I join one, and how easy is it to be approved as a member? What type of things do they look at for an approval? Are there any fees associated with it? What are some good, easy approval credit unions to join?

12. Why do credit unions offer higher interest rates for different types of savings accounts? I am thinking of leaving banks and turn to credit unions... so i wanted to know why do credit unions offer higher interest rates for different types of savings accounts?

Why are bank mortgage rates always higher than credit unions? Is there a reason for this? Does the bank offer services the credit unions don't?

What's the difference between banks and credit unions? Do any of you like credit unions better than banks?? Thanks

any credit unions in the ny area able to finance cars for people with ok credit? i am looking to trade in my car, and i am working and i have paid my debt..it was only like 900 bucks of debt. it has been paid, and as we all know, it take a whild for the score to get up, so I am wondering if there are any banks and/or credit unions that will finance people with ok credit?

What has been the effect of the meltdown on Credit Unions compared to Banks ?Why don't they ask for bail outs ? I have a suspicion that Credit Unions manage their money more responsibly, thus not falling into deficits, but I am not certain, so please help.

Are credit unions covered by like FDIC covers banks? How safe are credit unions? I bought a large cd at a local credit union. Do I need to worry about it? I realized the banks are FDIC insured up to 100K, but are credit unions insured the same way? Thanks for your help.

Where can I find a list of credit unions that I can join? Where can I find a list of credit unions that I can join? I am in my twenties and don't belong to any organization. I was hoping that some could tell me how to find a credit union since I don't know where to even look for one in the first place. I am looking for one with a low starting price that is more likely to offer car loans. Thanks.

Do credit unions really have the best deals on a home mortgage? From the research I've done, the rates seem quite a bit better than most other banks. Is there a downside to getting a home mortgage from a credit union? Why wouldn't everyone do it if the rates are so much better?

Can credit unions update collections every time my credit is ran? I defaulted on a car loan (repo) from a credit union 4 1/2 yrs ago. They update this default pretty much every time someone runs my credit to make it look like it just happened. I know I owe the money and would pay if I could but is this really legal? What can I do about it?

Will Credit Unions help you finance a car payment if you have a bad credit rating? I am buying my 6 year old lease car from Honda. Price is 3500. I can pay 2000 now and the rest over a few months. Honda HQ say they can't handle it that way, local Honda says I need to to go to a credit union, I think. Any advice, friends?

Why do some credit unions increase their rates on deposit accounts right after the Fed cut the prime rate? Is it safer to bank with a credit union or a traditional bank?

With all the concern about banks, why has there been no mention made of how well the credit unions are doing? We have roughly two dozen credit unions within a 10-mile radius, yet several stories about bank collapses in local papers lately have only mentioned that the community banks are safe. Are credit unions that ignored? Two of them have assets in excess of $500 million, so I know it's not a size issue. Is it that banks are shaky but everyone knows that credit unions (with NCUA insurance and no exposure to debt markets) are safe, so there's no story? Thoughts?

Is money held in credit unions as safe as banks? Money in banks are protected by FDIC for up to $250,000 per person. How about Credit Unions, is money protected there as well?

Can Credit Unions refuse to open a business checking account for my business based on what I'm selling? I went to my credit union to open a business account for an online business I have that sells adult novelties, nothing you can't find in your local Spencers gift store. After opening the account, they then called me the next day and said that I couldn't have an account with them because of what I sold. That feels like some kind of discrimination to me.

Why do credit unions have such higher interest rates than regular banks? I earn hardly anything on my savings at the bank, but a lot on my savings and CD at the credit union.

What's the difference between credit unions and banks? Why do you feel that way? Should I use a credit union or a bank? What has been your experience, with one or both?

If the credit unions dis approved me and my co-signer will dealerships too? I have no credit, my mom wants to help and co-sign for me but her credit isnt excellent, I think its probably ok- good. We got turned down from one credit union, I heard they were the easist to get approval. If they turned us down wont the dealerships? If not what type of interest rate do you think I would have?

What are the pros and cons of both banks and credit unions? I know this is kind of a general question...but as a general rule of thumb, what are the pros and cons of using a bank and using a credit union? Why would I want to bank at a bank, rather than a credit union, and vice-versa? I'm asking because I need to open an account somewhere in a new area (Cali), and I need to know where to smartly put my money.

Are credit unions and savings banks members of the Federal Reserve? The member banks of the Federal Reserve are: a) savings banks b) credit unions c) commercial banks d) all of the above

Are there any banks or credit unions in Las Vegas that do not use chex systems? I recently found out I am in the chex systems database for something that happened in Oct 2004. I am working on removing myself from the database (which is a complete friggin nightmare) and was wondering if anybody knew of a bank or credit union in Vegas I can open an account with. I had an account (which I closed) before I tried to open another one and thats when I found out. Never rec'd anything from the old bank saying there were issues with the account. Any suggestions? Thanks.

Are there insurance company equivalents of credit unions? I had someone once tell me there were insurance companies that acted like credit unions. Where the members owned the company and it made things cheaper. Does anyone know about these? Is there a list to choose from, provided you are qualified.

Do you think that banks or credit unions are better? Do you think that banks or credit unions are better? I had much better service at my credit union, and I'm missing it.

Is there a law for loan applications establishing a timeframe that banks or credit unions need to respond by? I applied for a home equity loan through a credit union, and it has been past 30 days. I have called and left messages and is trying to understand my options.

what's the difference between banks and credit unions....? for some odd reason, I have always heard credit unions were better but is it true? I have my checking/savings account at Golden 1 Credit Union and my grandma has hers at Citi Bank and other than the people at my bank are nicer and more into their customers, they seem the same.... what EXACTLY is the difference?

What are the benefits of Credit Unions? Is it true they are non profit? and what are the benefits of being in a credit union compared to a bank.

What are 'insured depository institutions' and 'corporate central credit unions'.? To remove the hold on my account at Treasury direct, I have been asked to have my identity certified by a authorized employees of insured depository institutions and corporate central credit unions. What are these? Are these regular FDIC insured bank.

Does the FDIC apply to Credit Unions as well? I know that the FDIC applies to banks, but what about credit unions?

How long does it take credit unions to cash a check i sent out for rent? Are they different from other banks? i mailed a check to my landlord on Wednesday from my credit union. i will not get paid until Thursday midnight. Will i be safe. this my first time doing this because i usually pay with Money Order but i am swamped and have a very bad cold. please give me your honest advice. Thanks

Can you help me understand how leasing a car works? Credit Unions? I called a car dealership and asked if they financed and said no "in-house financing" but they do accept credit unions? They recommended Texas Workforce Credit Union ( I live in Austin, TX). I have never leased a car before but have bought an older car in cash. Please help me understand the basics!

Do you know some reputable online Credit Unions with good rates? Does anyone know the names of reputable online credit unions paying high rates for money market savings?

"Houston residents" what is one of the better credit unions you would suggest someone to join? Looking for a credit union to join in Houston or the surrounding areas and need a few recommendations.

What banks or credit unions in Arizona do not use ChexSystems? Does anyone know of a bank or credit union in Arizona that does not use ChexSystems?

Can credit unions defer payments if someone needs help? I am having a baby in May and I will be out of work until August b/c I am a teacher. We don't get paid in the summer. Can a credit union defer a car payment or has anyone ever heard of this? I have never missed a payment, it's just that resources will be low until work resumes in August.

Are there any threats to credit unions? I'm researching this for my class although I don't see much about this on the web. Can anyone help? Are there any threats against credit unions? Thanks.

Are there credit unions which cover multiple states? I'm looking for a credit union which offers membership for someone working in Illinois, Indiana, and Michigan. Any thoughts?

Are there any rating sites that compare credit unions? I'm interested to see if there is a good credit union that could compete with Wells Fargo.

Who would handle complaints about false advertising by credit unions in Texas? A local credit union advertises paying interest on checking, but has misrepresented the requirements. What regulatory agency should I complain to?

Should we all move our money to credit unions or community banks? The big banks are all reported to be "too big to fail." Another statement that I agree with is "if they are too big to fail, they are too big to exist" What if the individual bank customers would withdraw their money and deposit it into a credit union and/or a community bank? I understand the implications of a "run on a bank" but it seems that the big banks should be held accountable for their actions by its customers. If they caused themselves to be candidates for nationalization, they should not have good customers. If the big banks managed their affairs in such a way to cause economic dismay - why not take out your money and give it to a stronger institution (even if it is smaller)

Does the new senate bill to increase bank deposit insurance also include credit unions? The new senate bill would raise federal deposit insurance limits to $250,000 from $100,000. I see no mention of NCUA--the credit union insurance fund.

Who authorizes the credit unions to give up a persons vital information ? I always thought that our Government was the only instutition to have all vital records and personal information. Yet anyone with a credit card and a computer can access it. And when this information is leaked, which key player is the one to which you can lay the blame?

Do credit unions refinance student loans? I have a little under $20,000 in student loans. I am trying to look for a bank or credit union that I can I guess "refinance" my loans with. The company that I pay only has a 10 year plan which makes my minimum payment near $300 a month. I am looking to extend my 10 year plan to 15 or 20 years so that it is more affordable for me now... and then later I can pay more as I move up in my career. Any suggestions?

How do credit unions work? Is keeping money in a credit union a good way to be granted a loan for a house eventually ? and if thers a better way of obtaining a loan against our saveings what might that be?

How do the current banking "issues" (ex. Indy Mac) affect credit unions? Looking at what's going on with Freddie Mac and Fannie Mae, IndyMac and maybe even other banks, I wonder how credit unions will fare.

are credit unions a little more lenient? My employer is affiliated with a credit union (Kemba). Are they more lenient on give auto loans to people with bad credit? Would it be better than going to one of those buy here pay here dealerships?

Credit Unions What is the advantage of a Credit Union? What is the advantage of a Credit Union? Are they MORE secure than banks in light of the recent crashes. Is it because they take fewer risks??? Rissima

Do most banks offer career loans? How about Credit Unions? I would like to attend a recording arts school for two months and would like to borrow about $7,000. Would the Credit Union I belong to be the place to start or should I just go through the school's financial aid package? Also if the Credit Union could do it what would the requirements be. I do have cosigners available. Thanks so much.

Why don't people just use credit unions or people to people banking? At least you have a voting right with credit unions and it is local, community banking

Would massive bank failures be a bad thing? Maybe people would all switch to credit unions.? The difference of course is credit unions are owned by the members. I haven't heard of credit unions failing. Why shouldn't we just let the banks fail?

are credit unions insured by the FDIC or another body? Are credit unions insured by the FDIC or another body?

If you go to a credit unions for a chjecking account fo they check for past overdrawn accounts? I used to have a checking account but it got overdrawn and I couldn't cover it in time so they closed it. The thing is, I need a checking account. If I go to credit union as oppsed to a bank, will they check that system that banks report to? Are they going to deny me?

What does "onized" mean, in reference to credit unions? A number of credit unions have the term "onized" as part of their name (f.ex., Streator Onized Credit Union). What does that term mean? I can't find it in the dictionary.

Are Credit Unions good for investments? I've just turned 18 & I've come into some money, and I might be working with 20,000, so I would like to know what are some good investments options that credit unions offer. I've heard that you receive more interest a month if you you deal with the credit union. I'm very new to this stuff & I just need some good investment advice. If anyone could offer me advice on a brokerage account that would be very helpful, because I have one but don't understand anything dealing with the account. I don't know anything about stocks & bonds. Please help, because any advice would be helpful.

are Credit Unions really better than Banks? i'm just a simple checking acct kinda gal. not looking for loans or ira's, just tired of Wamu and thinking it's time to change, is it worth it for me? what do you look for when comparing credit unions if rates don't apply?

the impact of credit unions on the financing of small business? how the credit unions comes to play or sets in to finance small business when the commercial banks are not abel to finance them due to lack of collaterals, bad accounting systems, lack of business plans and so on. its a long eassy or a project work

What banks or credit unions have the best rates on CD, Cerificate of Deposit Accounts? I have 5k to put in but dont know where to go I am in California. We have Wells Fargo, Wachovia, Bank of the West ,etc etc I dont care where I go as long as I can get the best rates. Thanks. I'd probabbly leave it in for a year long term, or even 6 months depends on what is better.

Can credit unions issue mortgages outside of its membership area? I am in a credit union where I live now, but will be moving to a new house outside of its membership area.