Banks Or Credit Unions. With a bank or credit union on nearly every block, consumers are spoiled for choice in their banking needs. Federally insured credit unions are equally as safe as FDIC-insured banks.
Overall, credit union rates tend to be lower for all loan types, including credit cards, but rates for mortgages may be similar to those from traditional banks if they sell their mortgages.
Those credit unions use National Credit Union Share Insurance Fund (NCUSIF) insurance, which is backed by the full faith and credit of the U.
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Even a small difference in interest rate can make a big difference over the life of a mortgage, though, so any little bit helps. How is a credit union different than a bank? If one isn't near you, it might not make.
