Ngethamsanqa, unako ukudibanisa imibutho ye-credit unions online kwaye ufumane ezi zinzuzo ezifanayo.
Amanyano eentengo zemboleko echazwe kule khasi kulula ukuba afanelekele, avumela iifomiti ezincinci ezincinci, ziqinisekisiwe ngokusemthethweni , kwaye unokujoyina inthanethi-nanini na naphi na ukukhetha. Xa usakuba ilungu, unokuvula i-akhawunti yokujonga nokugcina imali, isicelo semali-mboleko kwi-intanethi, kwaye usebenzise ezinye izibonelelo zamanyan e-credit union.
Ubulungu bentengo
Abathengi bemanyano yabanini- mboleko banamabambisene kunye neziko , kunye nokukwazi ukuphazamisa ulwalathiso lwenyunyana. Ekubeni iimanyano zeentengo zemboleko zingabambanga inzuzo, iinkokhelo kunye neerhafu ziqhelekileyo kubaxhasi. Imanyano yemboleko ayikho ukuvelisa inzuzo okanye ukukhula kwabangenayo abanini-mali.
Ukujoyina nayiphi na inyunyana yekhredithi, ingaba i-intanethi okanye umntu-mntu, kufuneka ufaneleke. Ukuze uhlangabezane neemfuno ze "intsimi yobulungu," kuya kufuneka ukwabelane ngokubambisana kunye namanye amalungu ebumbano yamatyala.
Oku kungenziwa ngeendlela ezininzi, kuquka:
- Lapho usebenza khona, okanye ishishini osebenza kuyo
- Indawo ohlala kuyo okanye usebenza kuyo
- Zakho zonqulo
- Ubulungu kwimibutho ethile
- Amalungu omndeni awamalungu akhoyo kwi-credit union
Yiya ku-Intanethi
Ukongeza kwizinto zokukhetha izitena kunye nezidaka, ungajoyina imibutho yeekhredithi kwi-intanethi.
Lawo maziko angakhonza abathengi kwilizwe, okanye asebenze ngokukodwa kwiindawo ezincinci. Ngayiphi indlela, imithetho yobulungu iyafana.
Iminikelo nobulungu beqela: Ukuba uyazibuza ukuba uwela njani kwiqela elifanayo njengabanye abangahlali phi na kufuphi nawe kwaye bengabelani ezinye iziganeko, isisombululo ngokuqhelekileyo sijoyina iqela. Kwiminyano yamatyala engezantsi, unokufumana ilungelo lokujoyina imibutho engenzi-nzuzo okanye ukwenza umnikelo omncinci kwizizathu ezithile.
Joyina kwi-intanethi, kodwa ibhanki yendawo: Unokusingatha phantse zonke iimfuno zakho ngaphandle kokubeka unyawo kwisebe, kodwa ukusebenzisa inkontileka yemali ye-intanethi akuyi kukuthintela ukuba ungasebenzi kunye nomtshizi ophilayo. Izinyunyana zemboleko ezithatha inxaxheba kwi-network branching network zivumela ukuba u tyelele amasebe eminye imibutho yamatyala ekwenzeni imisebenzi kwi-akhawunti yakho ye-intanethi, kwaye kukho amawaka amasebe ehlabathini lonke. Unokwenza idipozithi kunye nokuhoxiswa, ufumane iirejisi ezisemthethweni , kwaye wenze iintlawulo zemboleko kwiimanyano zesikweletu zendawo.
3 Iimanyano zentengo ezilula ukujoyina i-intanethi
I-Alliant Credit Union yenye yeyona nyankulu yeentengo zemali kwi-US ngokusekelwe kwiimpahla. EkwaseChicago, IL, Alliant iyatholakala kubantu abahlala kwiindawo ezikufutshane, sebenzela okanye bangabokukhetha imibutho, okanye banamalungu omndeni angamalungu alliant.
Amanqaku angaphezulu:
- Ubulungu obulula : Nabani na oba lilungu le-Foster Care to Success (FCS) ngokunikela ngeedola ezili-10 okanye ngaphezulu angenza isicelo sokujoyina i-Alliant. I-FCS yinhlangano engenzi nzuzo inceda abantu njengoko beshiya inkqubo yokunakekela abantwana.
- Inkonzo yabathengi nge-24/7: Ukongeza kwi-app kunye nenketho yenkonzo ye-intanethi, ungabiza inkonzo yabathengi nanini na (ngaphandle kweeholide) ngoncedo kuma-akhawunti akho.
- Ukugcinwa kwemali ephezulu: I-akhawunti ye-Alliant ye-High-Rate akhawunti ikhuphisana ne-akhawunti yokulondoloza i-intanethi, ukuhlawula i- percentage yield percentage (APY) kunye ne-$ 5 yokuqala yokufunwa kwemali. Akukho mali yokugcinwa kwenyanga ngokukhawuleza xa ukhetha ukungena kwiinkcazo zekhompyutha.
- Usetyenziso lweselula : I-app Alliant inikeza iinkcukacha eziphambili kwiikhosi ezifana nemibuzo ye-akhawunti, izicelo zokudlulisa, ukuhlawulwa kwebhilikhi ye-intanethi , idizithi yesheke yefowuni, kunye nokunye.
I-NASA Federal Credit Union (NASA FCU) iqalile ngabasebenzi abasixhenxe be-NASA kwaye ikhulile ibe ngamalungu angaphezu kwe-100,000. Abanye abaqeshi kunye nemibutho baye babambisana neNASA FCU, kwaye abasebenzi kunye namalungu ala maqela nawo afanelekile ukujoyina. Izihlobo zamalungu e-NASA FCU angaphinda afake isicelo. Amanqaku angaphezulu:
- Ubulungu obulula : Ubulungu kunye nemibutho emininzi iya kukunika ilungelo lokujoyina iNASA FCU. Ubulungu neNational Space Society bukhululekile ukuba ujoyine ngelixa uvula i-akhawunti kwi-NASA FCU, ngelixa amanye amaqela agcina imali phakathi kwe-$ 20 ne-35.
- Izikolo zemali ze-FICO zamahhala: Amalungu asebenzisa i-app ephathekayo anokubona izikolo ze-FICO zangempela , jonga ukuba ziyatshintsha njani kwinyanga ukuya kwinyanga, kwaye ufunde ukuba zeziphi izinto ezichaphazela amanqaku abo.
- Iintlawulo zomntu nge PayPal: Abahlobo bakho kunye nosapho mhlawumbi sele benayo i-akhawunti ye-PayPal, okwenza kube lula ukuthumela imali kumntu osebenzisa ibhanki eyahlukeneyo okanye umanyano wesikweletu. Akukho mfuneko yokuba balayishe iifayili okanye babhalisele iinkonzo ezintsha .
- Usetyenziso lwefowuni: Insiza yeNASA FCU inika zonke iimpawu ozilindelayo, kubandakanye idizithi yesheke yefowuni , intlawulo yebhilikhi ye-intanethi, izicelo zokudlulisa, kunye nokuthumela imiyalezo yemisebenzi yabakhuseleko.
I-Lake Michigan Credit Union (i-LMCU) yinyunyana enkulu kunye nekhulayo yemali esekelwe kwi-Grand Rapids, MI. Ubulungu buvulelekile kubantu abahlala, basebenze, banqule, okanye baye esikolweni kummandla waseMichigan. Njengoko kunye namanye amanyano eentengo zemboleko, unako ukudibanisa ukuba ilungu lentsapho elisondeleyo ilungu langoku-okanye ukuba unemibutho ethile. Amanqaku angaphezulu:
- Ubulungu obulula: Unelungelo lokujoyina i-LMCU ukuba wenza umrhumo wama-5 okanye umkhulu kwi-Amyotrophic Lateral Sclerosis (ALS). Umbutho we-ALS yinhlangano engenzi nzuzo ezinikezele ukulwa ne-ALS, eyaziwa ngokuba yizifo zikaLou Gehrig, kunye nophando, ukuxhasa, kunye nokunyamezela isigulane.
- Ukuhlawula umvuzo: I- LMCU inikeza i-akhawunti yokujonga ehlawula i-APY ephezulu kwi-akhawunti yakho-kodwa ungasasebenzisa i-akhawunti njengeakhawunti yokujonga rhoqo. I-akhawunti iphinda ibuyele kwi-15 yezigidi ngenyanga kwiindleko ze-ATM, kwaye akukho mfuneko yokulinganisela ibhalansi. Nangona kunjalo, njengawo wonke umvuzo ukuhlola i-akhawunti , kufuneka ufanele ukufumana isivuno esiphezulu (yenza ubuncinane ukuthenga amakhadi ayishumi ngenyanga, usethe idiphozithi ngqo , ungene ngemvume ukujonga i-akhawunti yakho rhoqo ngeenyanga, kwaye usebenzise izitatimende kwi-intanethi).
- Izaziso kunye neebhanki zetekisi: Ngamanye amaxesha uxakeke kakhulu ukungena ngemvume kwaye ubuyekeze ii-akhawunti zakho, kodwa izaziso kunye nemiyalezo yombhalo inokukunceda . Fumana xa ukurhoxiswa kwetyala i-akhawunti yakho, xa ibhalansi yakho ye-akhawunti iwela ngaphantsi kwinqanaba elithile, okanye xa umntu utshintsha idilesi yakho. Ungathumela umyalezo obhaliweyo osisigxina kwaye ufumane impendulo yakho nge-balance balance account-akukho mfuneko yokungena kwi-app okanye iwebhusayithi ukuze uthole loo ngcaciso.
- Insiza yeselula: Insiza yeselula ye-LMCU inikeza iinkonzo ukwenza ubomi bakho bube lula, kubandakanya ukuhlawulwa kwebhilikhi ye-intanethi, idizithi yesheke yefowuni, izicelo zokudlulisa, kunye nokunye.
Ezinye iimanyano zeekhredithi zinempawu ezifanayo kunye neemfuno zemfundo. Ukuba enye inyunyana ye-credit iyakubamba iso lakho, cela malunga nokukhetha ubulungu. Ngokufanayo, ukuba unomdla ngenxa yeso sizathu okanye uncedo, qaphela ukuba nayiphi na imibutho yamatyala edibeneyo kunye nemibutho kuloo ndawo. Enye yezona zinto zibaluleke kakhulu kwiimbutho zemboleko-ulwalamano oluqhelekileyo phakathi kwamalungu. Uya kunceda unyunithi yemali-mboleko iyaqhubeka nokubonelela ngeenkonzo ezinkulu, kwaye uza kunceda abanye abaxabisa izinto ezifanayo.