{"id":3506,"date":"2020-01-23T14:23:00","date_gmt":"2020-01-23T19:23:00","guid":{"rendered":"https:\/\/www.lendvious.com\/blog\/?p=3506"},"modified":"2020-02-10T01:44:12","modified_gmt":"2020-02-10T06:44:12","slug":"credit-unions-vs-banks-how-are-they-different","status":"publish","type":"post","link":"https:\/\/www.lendvious.com\/blog\/blog\/2020\/01\/23\/credit-unions-vs-banks-how-are-they-different\/","title":{"rendered":"Credit Unions Vs. Banks: How Are They Different?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Ever wondered how banks and credit unions are different from each other? Both offer similar products, they operate under similar agencies and laws, and they\u2019re both equally safe sources of funds. In that case, how are they different, and how do their differences actually matter to you?\u00a0 Before you find out the answer to these questions, it\u2019s important to first understand what banks and credit unions primarily are.<\/span><\/p>\n<h2>What is a bank?<\/h2>\n<p><span style=\"font-weight: 400;\">\u2018Bank\u2019 refers to a financial institution that is licensed to take deposits from the public and make loans. However, banks also provide financial services such as currency exchange, safe deposit boxes, and wealth management.\u00a0<\/span><\/p>\n<h2>What are credit unions?<\/h2>\n<p><span style=\"font-weight: 400;\">Credit unions are also financial institutions, but they are owned by their own members. In addition, like banks they accept deposits, make loans, and provide a whole range of financial services.\u00a0<\/span><\/p>\n<h3>How Banks and Credit Unions Differ From Each Other<\/h3>\n<p><span style=\"font-weight: 400;\">Both banks and credit unions offer checking and savings accounts, business accounts, and provide loans. In fact, they are practically equivalent for most banking needs. However, they are not the same. There are some primary differences that you should be aware of.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><\/td>\n<td><b>Banks<\/b><\/td>\n<td><b>Credit Unions<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1.\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Banks are for-profit institutions.\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Credit Unions are nonprofit institutions.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">They may be privately owned or traded publicly.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Owned by members. All members of a credit union are its part owners.\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">3.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Commercial banks work for profits. They make these profits by accepting deposits from people and making loans using this money for higher interest rates.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Credit unions operate for the well-being of its members. Profits are returned to members in the form of reduced fees and better interest rates.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\"> 4.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Banks do not require you to be a member to avail products and services.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">You have to be a member of a credit union to avail its financial services and products.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">5.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Characterized by higher fees, lower interest rates on deposits, higher interest rates on loan products and credit cards.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Characterized by lower fees, higher interest rates on deposits, <\/span><a href=\"https:\/\/www.lendvious.com\/blog\/3-simple-ways-to-lower-your-credit-card-interest-rates\/\"><span style=\"font-weight: 400;\">lower interest rates on loan products and credit cards<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">6.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">More convenience in terms of location, more branches across the country, more technological efficiency, and better mobile access.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Involve customer-focused banking. However, inconvenient in terms of fewer locations, and some credit unions do not keep up with the latest in banking technology.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Both banks and credit unions have their pros and cons. To decide which one works for you, you need to prioritize the aspects essential for your banking and investment needs. For instance, is the convenience of the banking app more important to you than customer service, or does the location of a branch rank higher on your list than the interest rates offered? Answer these questions and do your research to ensure you make the right choice for your needs!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ever wondered how banks and credit unions are different from each other? Both offer similar products, they operate under similar agencies and laws, and they\u2019re both equally safe sources of funds. In that case, how are they different, and how <a href=\"https:\/\/www.lendvious.com\/blog\/blog\/2020\/01\/23\/credit-unions-vs-banks-how-are-they-different\/\" class=\"more-link\">Read More<\/a><\/p>\n","protected":false},"author":2,"featured_media":3522,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[30],"tags":[2158],"class_list":["post-3506","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance","tag-lower-interest-rates-on-loan-products"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Credit Unions Vs. Banks: How Are They Different? - Lendvious<\/title>\n<meta name=\"description\" content=\"Ever wondered how banks and credit unions are different from each other? 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