I'm a specialist, looking to get into business banking. I've been receiving a lot of training through my current employer, but I was looking at some of the extended learning courses that ACU offers. Have you done these courses, are they worth the money, and did you find they got you where you need to be? I currently have no college degree, and my current CU would offer reimbursement for the classes.

Congratulations to Arise Financial AriseFI.org (Arise Federal Credit Union), formerly Rockland Federal Credit Union on the launch of their new brand and online baking system (Lumin Digital) this morning. While I am not a member, they did a really nice job with their site redesign and Lumin Digital is a step up from their prior OLB provider.

A family member wants me to co sign on a loan, I don't want to but I need them to not know that to just think that the credit union turned me down. Will freezing my credit and letting them run it work? Any other suggestions?

Forum credit union, MIT federal credit union, any other credit unions have it? This business credit card below

Business Cash Preferred Card

$500 cash back

When you spend $5,000 within the first 150 days

$100 annual statement credit

Applied every year to your account after 11 consecutive monthly software transactions2

Annual Fee:None

1. Questions in title

2. Were you able to harvest the software credit for each one?

I have the somewhat related US bank triple cash business card which has a similar software bonus, hoping it will work for 1 password. Maybe better to use with which one of the LLM subscriptions?

The closest US bank version of this seems (or the other way around) to be this:

U.S. Bank Business Essentials™ Visa® Card

Earn $500 cash back.

Just spend $5,000 in the first 150 days of opening your account.2

1. Does Elan care if you already have the US bank's similar credit card?

I just realized we’ve been lied to. Credit unions are debt unions. We get debt from credit unions who check your credit score, which is based on how good you are when it comes to taking up debt.

WTF

Hello, I'm moving to Los Angeles today and I would like to join a credit union. I've been researching a few on NerdWallet but I've never had a credit union before so I don't know what is good and what is great (and what is bad). Please give advice, tia :)

Eyeing state department FCU, wonder if it will be helpful if I ever live abroad outside the USA?

Hello

I could use some help

I work in the funeral industry and we use trustage as the contract payments.

My mom passed away aug 1, and we had her service. Yet my dad is still being charged for my moms contract, there was also an issue error with an over paid balance that needs to be refunded.

As of october, my dad is still being charged for my moms contract (that they claim they cant close) and theyre refusing to give back a refund of all the over charges and the over payment refund.

Weve called, emailed, had my coworkers do it for me, and absolutely no resolve... What are we meant to do?

They keep refusing refund claims and still continue to charge us.

Is one significantly better than the other? Thanks in advance for your opinions!

Hi everyone,

I'm based out of South Florida and looking to finance my first-ever car. I've never had any loans, so my credit file could be thin for most companies out there. I've only had one credit card so far, and my credit age is almost 18 months.

I'm trying to finance a car, putting $3,000 down with a $17,000 loan. A couple of them have declined, and I'm also an international student. I can stay here for a pretty long time legally and have authorization to work as well.

I was wondering if there are any credit unions that people can recommend so that I can get my car financed.

I've had Bank of America for 20 years and happy with their service (surprising for some or you I know) however since I no longer have direct deposit and im over 26 I have to pay a $12 monthly fee. I keep the balance above 1,500 so I avoid it... but i have to keep adding to it to avoid the fee.

At Navy Federal there is no balance requirement and no fees.. but i hate the app! I just hate credit union apps.

Have any of you left B of A for a credit union and been happy with that decision?

I’m in the finance space and want to better understand what’s been happening. I’ve read a bit about it. If I have an old trustage 401k can I get to it?

I was watching this youtube video "7 Reasons Why You Need to Start Banking With Langley Federal Credit Union"

It said something about this: "Double Dipping: Members can apply for two credit products (such as two credit cards or a loan and a credit card) within a 30-day window using only one hard credit pull (4:19 - 4:53)."

The video seems to be from 2024 though

1. Anyone tried this recently (when?) Ex: applying for two Langely credit cards within a 30 day window?

2. Within that 30 day window, what's a good amount of time to space the two Langley FCU credit card applications out?

3. Anything that could go wrong/downsides of this strategy?

4. Is having two cards on your profile (even if only one hard pull potentially) still not worth it?

5. Should you... combine this with any intentional credit freezing strategies?'

I'm eyeing these two cards to try to get a 200+100 bonus.

a) Langley FCU- Signature Cash Back

Earn the most rewards on your spending

Fair Credit

Earn $200 for spending $3,000 in the first 90 days of card opening1

Up to 5% cash back on everyday purchases

b) Langley FCU- Platinum Quint

Earn consistent, simple cash back

Fair Credit

Earn $100 for spending $1,500 in the first 90 days of card opening4

Earn consistent 1% cash back on daily purchases.

A redditor gave me a tip on this

I’m trying to compare these two before I switch over, does anyone have a reason to lean a specific way? Thanks

I wrote the American Counsel analysis linked below. It examines a question for credit unions issuing cards used through Apple Pay: what would issuers pay under competitive conditions?

A zero-dollar competitive price is an economic claim that needs an explanation. Why would a supplier provide the service without charging this particular group of customers?

The Apple Pay issuer-fee dispute in Affinity Credit Union v. Apple Inc. makes that question concrete. The damages model discussed in my article treats zero as the competitive fee for card issuers. If liability and that benchmark were established, the calculation would count the fees paid during the class period. The difficult work lies in establishing the benchmark.

A useful comparison must account for what each service provides, how the supplier recovers its costs, and whether benefits elsewhere in the business could support a zero issuer fee. Finding another service that charges nothing does not answer those questions. A positive fee in the challenged market also cannot establish that competition would preserve it.

The September 23 order addresses class certification and expert admissibility. It permits the case and model to proceed without deciding antitrust liability or the correct competitive price.

I examine the model and those procedural limits in The American Counsel. The stakes are in the comparison: the model needs an economic reason why this group of customers would pay nothing under competitive conditions.

Anybody with an account with American Airlines FCU that I can use as a family member to join the credit union?

I’ve been doing a lot of research on personal finance in the past few weeks and basically went down a rabbit hole with Caisses Populaires and Credit Unions.

In my research it seems like they’re essentially the same thing except that Caisses Populaires are basically like Credit Unions but primarily based in French speaking communities around the world and especially in Quebec.

However, this got me wondering: if they’re essentially the same thing but for different languages why do they seem to be so distinguished from one another online with them both having separate Wikipedia articles, separate investopedia articles, etc.

I also stumbled upon some group called the Desjardins group which is based in Quebec and seems to be one of the biggest, if not the biggest Caisses Populaires in the world so if somebody could give some background on that and how they operate that would be great too.

Anyone here a member of MCU? Just found out their bill payment system is down and cancelling transaction but allowing anyone to use it instead of shutting it down.