Top 3 Credit Unions in 2021

Credit Unions have been long known for being better and more competitive than banks, because of there nonprofit status. So I decided to call the top 3 credit unions and find out if they really are as good as they say they are. Also in my last video, I made sure to explain what the difference between a credit union and a bank is, so make sure to check that out if you haven’t.

Alliant Credit Union – 800-328-1935
Now the first credit union Alliant credit union, they are known for there checking and savings and how their apr is. Not just that but they also have a credit card a 3% cash back.
– This is the 5th biggest credit union in the united states and has 11 branches and over 80 thousand atms. I think that 4 times what chase has. And really nothing when you compare it to sofi free atms
– Reviews by nerdwallet customer are terrible but on the apple store, people love it. So mixed reviews
– High apr savings and checkings
– .65% on check-ins hiree than chase savins lol
– They credit cards ( one with 3% cash back if you want a full video on that, comment down below)

Golden 1 Credit Union – Out of date website
– Now not all the credit unions on this video are going to be good, but on nerd wallet it said this one is the best but it’s not it’s terrible.
– Now here’s what it focuses on
student consolidation ( This is a tactic that might get you a lower rate or minimum payment but it’ll still keep you locked in for a long time.
savings rates are between .15%- .75 highest
checking is terrible also .10% (what)
– Oh, and btw customer service is not 24/7 and the website is built around extracting money out of you. Heres a lone, credit card, house. They don’t really mention savings and roth ira or anything like that. Also the website looks like from the 90s
– Then call and ask all the questions

My Consumer Credit Union – 877.275.2228
– 12 debit transaction, direct deposit, and be enrolled in edocuments ( wave atm fees
– Regular savings is .10-.20
– But if you spend a bunch of money and up 10k you can get 5.09 it’s a scam
HFCU – Federal credit union
This was the best one by far, if you can qualify I would take advantage of that 5% and then run if they change it.

Key Questions Answered

1. What are the top 3 credit unions in 2019?

2. Why Credit union get a good rep vs banks?

3. How to pick out of the 3?

*Pro Tip*
Information is key

Link:
Articles: https://www.nerdwallet.com/blog/banking/best-credit-unions/
https://www.thebalance.com/best-credit-unions-4161027
https://www.mx.com/moneysummit/biggest-us-credit-unions-by-asset-size

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