Uya kufumana inzuzo ephezulu kunabhanki bendabuko
Imanyano yamatyala inikezela enye indlela ebhanki. Banikeza iintlobo zee-akhawunti ezifanayo, kodwa kaninzi ngeemali ezincinci kakhulu kunye neerhafu zemali ephezulu. Kungakhathaliseki ukuba uhlala phi, unako ukujoyina umanyano weentengo zemali. Ukuba awufaneleki kumsebenzi wakho okanye indawo, udla ukufumana umrhumo omncinci okanye umnikelo kwi-nonprofit. Ngoko ukuba ufuna ukujoyina inyunithi yemboleko, ezi ngenye yamanyano amanqaku asemgangathweni angakhetha kuyo.
01 I-Best Union Union yemali: I-Alliant Credit Union
I-Alliant Credit Union iyi-credit union elinganisiweyo kakhulu kunye ne-5 ekulu e-United States ngempahla. Eyasungulwa njenge-United Airlines yabasebenzi be-Credit Union ngowe-1935, i-Chicago inyunyana ye-credit union esebenzayo iseCalifornia, Colorado, eTexas naseVirginia ngaphezu kwendawo yayo yase-Illinois eneendawo ezili-11 zesebe. Amalungu angafikelela kuma-ATM angama-80,000 ngaphandle kwe-ATM, nangona ungasebenzisa i-ATM engaphandle kwe-ATM engenakukhathazeka ukuya kuma-20 engama-reimbursements zenyanga ukujonga abaphathi be-akhawunti.
Indlela elula yokubaluleka ngumbutho kunye neenkampani zayo ezingamalungu angama-150 + okanye ezihlala kwindawo yangingqi. Unokuzibandakanya kunye nexesha elilula, umrhumo we-$ 10 kwi-Foster Care ukuphumelela.
Ngeendlela ezinkulu ze-intanethi, eziphathekayo kunye nezifowuni, ungakhathazeki ukuba awuhlali kufuphi nebebe. Into yodwa eyoyivimbela idipozithi yemali. Unokwenza konke ukude ngaphandle kokuchitha ipesenti.
02 I-Best Union Union ye-Credit Union kwiNethiwekhi enkulu yeeNqila: I-First Tech Credit Union
I-Tech Tech yeManyano yeMatyala inomnye weenyawo ezinkulu kwiindawo zesebe, kunye namasebe angama-40 kwiindawo ezithoba kunye nasePuerto Rico. Ngokwemvelaphi yayo ekujoliswe kwabasebenzi bekhnoloji kwi-Tektronix, indawo zeenkampani zijoliswe kumaziko aphezulu ase tech e-United States.
Ukuthatha inxaxheba kwintanethi ye-Co-op kunika amalungu ukuba afumane i-ATM ezingama-30,000+ ezingenasistim kunye namagatsha angaphezu kwama-5,000 ukuba anakekele ibhankini. Nangona ungahlali kufuphi ne-First Tech yesebe, unokwenza into eninzi kakhulu kulawo masebe olingane. Ngamanani amaninzi, enye ingxaki.
I-credit union inika iinketho ezininzi zokujonga, ezinye zazo zinika inzala yemigangatho yokhuphiswano kunye nemivuzo. Kwaye nabani na ongakwazi ukujoyina!
03 I-Best Union Union ye-Military: I-Navy Federal Credit Union
Ngokungafani nabanye abaninzi kuloluhlu, wonke umntu akanako ukujoyina iNavy Federal Credit Union. Nangona kunjalo, nayiphi na impi ekhutheleyo, imikhosi yomhlalaphantsi kunye neentsapho zabo zingajoyina. Abaqeshwa beSebe lezoKhuseleko (DoD), abasebenzi baseburhulumenteni abelwe kwiDoD indawo kunye neenkontrakthi kwiinkqubo zeDD kunye neentsapho zabo bonke bayafaneleka ukuba bajoyine.
Ukuba ufanelekile, le nyunyana yemarike inokulinganisa okuphezulu kwinkonzo yabathengi kwaye inikezela ngeendlela ezinzulu zokujonga, ukugcina imali, amakhadi enkoleko kunye nemboleko. Njengawo onke ama-credit unions, i-Navy Federal ayiyiyo inzuzo, ngoko amalungu athola inzala engcono kunokuba ungayifumana ibhanki.
Imilinganiselo ephakamileyo ibhalansi ephezulu ukuphepha umrhumo wenyanga kwi-akhawunti ekhangayo kakhulu kunye neerhafu zenzalo ephantsi kunabanye abakhuphiswano kuloluhlu. Kodwa ukuba uhlala kwindawo okanye kufuphi, i-Navy Federal Credit Union inokulungele.
04 I-Best Union Union yeeNgxowa-mali: I-Pentagon Federal Credit Union (PenFed)
I-Pentagon Federal Credit Union, eyaziwa ngokuba yiPenFed, yindawo yokubambisa i-credit-based base-Washington endaweni ejongene nomkhosi, kodwa akudingeki ukuba ube eWashington okanye inxenye yomkhosi ukujoyina. Njengeminye imibutho yamatyala, umnikelo omncinci kwi-charity partner ufanelekile ukuba uvule i-akhawunti entsha. Xa usenjenjalo, unokhetho olunzulu lwemali-mboleko kunye nezinye iimali-mboleko, kuquka amanani omgangatho okhuphisanayo kunye nokukhetha okukhethiweyo.
Enye into ekhethekileyo yi-ARM ye-15/15. Oku kulungiswa kwemali yokuboleka imali kwizinga lakho elincinci lentengo kwiminyaka eyi-15 ngaphambi kokulungiswa kwimiyinge yemarike. Njengokuba inani elikhulu labantu lithatha ukuhamba phakathi kweminyaka engama-15, kuyindlela enhle yokuvala ixabiso eliphantsi le-ARM ngaphandle kwengozi yesikhashana se-ARM esifutshane.
I-PenFed inikezela ukukhangela ukuncintisana nokulondoloza, kunye nezinye iinketho zamakhadi ezikwereti kunye nemivuzo engcono kakhulu kunamanyano amaninzi. Olu dibana lwezinto lubangela ukuba lufanelekile ukukhangela.
05 I-Best Union Union yokuThengisa iiNgxelo: I-Langley Federal Credit Union
ULongley, waseVirginia udume njengekomkhulu leCIA, kodwa i-Langley Federal Credit Union ayifakwe kwi-secret. I-Langley Federal Credit Union yaziwa kakuhle, njengento yenyani, kwiingxelo zayo ezine zokujonga. I-LangleyPays Itshekisha inika abanikazi beakhawunti 1.21 ekhulwini APY kwi-$ 1,000 yokuqala edibene kunye neekenti ezili-10 nganye xa usebenzisa ikhadi lakho lokubambisa.
I-Langley Federal Credit Union inika ixabiso eliphezulu kuma-CD kunye nokulondolozwa, okuyibeka ekusebenziseni kunye neengxelo ezilungileyo kakhulu zokulondoloza inzala kwiibhanki ezidumile kwi-intanethi.
Ubulungu buvuleleke kubasebenzi kumazwe amaninzi aphesheya, kuquka i-7-Eleven, i-Olive Garden ne-Panera Bread. Okanye, unako ukujoyina i-Virginia Virginia Association of Museums kwi-$ 15 okanye abahlobo beThala le-Carrollton Library ukuya kwi-$ 5 ukuze ufaneleke.
06 I-Best Union Union ye-Credit Union ye-Kids 'Savings: GTE Financial Credit Union
Ngokutsho kweGoBankingRates, i-GTE yezeMali yeManyano yeMali inikeza enye yezinga eliphezulu lokulondolozwa kweemanyano zemali-mboleko ukuba nabani na ongakwazi ukujoyina. Nangona uhlolo lweenkonzo zamakhasimende aluyi-stellar, i-APY yangoku kwi-akhawunti yakhe yokulondolozwa kwe-Early Saver i-1.99 yepesenti ye-APY.
I-akhawunti ye-GTE yezeNkxaso yeMali yeNkxaso-mali ye-Akhawunti ye-Akhawunti ye-Akhawunti kunye ne-Aversi ye-Saver yasekuqaleni inika amaxabiso amancinci angama-0.10 kuphela, kodwa kunzima ukubetha iipesenti eziphantse zifunyanwa yi-Akhawunti ye-Early Saver. I-GTE ilungu le-PopMoney, oku kuthetha ukutshintshwa kwemali kwili bhanki kwi-akhawunti kwelinye ibhanki kunokukhawuleza kakhulu, enye enye i-perk.
Kukho iindlela ezininzi zokujoyina, kuquka umnikelo wesikhathi esisodwa ku-CUSavers kungakhathaliseki ukuba uhlala phi nalapho usebenza khona. Akuyena mnye uncedo olungaphezulu kwekhredithi kumntu wonke, kodwa kukho ezinye iimeko apho kunengqiqo.
07 I-Best Union Union kwiNkonzo yabathengi: i-Wings Financial Credit Union
I-Minnesota ye-Wings Financial Credit Union ifumana amanqaku aphezulu kumsebenzi wabathengi kuwo wonke amabhodi. Nabani na kummandla we-Minneapolis-Saint Paul we-metro, indawo ye-Seattle-Tacoma, okanye umsebenzi okanye usebenze kwi-aircraft uvumelekile ukujoyina. Ungakwazi ukujoyina iWords Financial Foundation kwi-$ 5 ukuze uvumeleke ukujoyina le nkontileka yemarike ephakamileyo.
Le ngxowa-mali yemali inikezela ngokubanzi i-akhawunti, kubandakanywa akukho ntlawulo yenyanga yokujonga iakhawunti. Le ngxowa-mali inamasebe eMinnesota, eMichigan, eFlorida, eGeorgia naseWashington, kwaye inikeza ama-ATM angama-60,000 angena-free kwilizwe lonke ngokusebenzisa ii-Co-Op ne-Allpoint amanethiwekhi. Inkqubo yoTyikityo yokuTyikitya inika imali ngokuthengwa kwemali.
Njengamanyano amaninzi eentengo zemali, iiWings zezezimali zinikeza uluhlu lweemveliso zeebhanki ezifana nemali-mboleko kunye namakhadi-mboleko. Ngokungafani nabanye, ikwabonelela ngemali-mali kunye nemveliso ye-inshorensi evumela ukuba ugcine ubomi bakho bezemali kunye neziko elilodwa, enye enye inzuzo kulabo abafuna ukugcina izinto zilula.
08 I-Best Union Union yokusebenzisa i-ATM: i-Connexus Credit Union
Uninzi lweebhanki ezinkulu zihlawulisa imali yokusebenzisa enye i-ATM yebhanki, kunye kunye unokuhlawula imali kuloo bhanki. KwiConnexus, awukwazi kuphela ukusebenzisa ama-ATM angama-54,000 ngaphandle kwemali kumanethiwekhi eCo-Op kunye neMoneyPass, iConnexus iya kuhlawula i-$ 25 ngenyanga ngenyanga kwiimali ze-ATM zebhanki ukuba ubamba i-akhawunti ye-Xtraordianry Checking. Kulabo abathanda ukuhamba okanye bafuna ukusebenzisa nayiphi na i-ATM yinto efanelekileyo kakhulu okwangoku, inzuzo enkulu.
Ukongeza kwiinzuzo ze-ATM, iConnexus inikeza iirhafu zentshisekelo kunye nezakhawunti. Imilinganiselo yokubolekisa ngemali eqalayo iqala kwi-2.49 ekhulwini ngekhowudi yokukhushulwa (SPRINGAUTO100) kunye nemali-mboleko yemithwalo yemali ehambelana nemali ehambelana nemilinganiselo kazwelonke. Ukuba uyayithanda i-akhawunti yokujonga, unokufuna ukuzisa enye ibhanki yakho apha kunye nokugcina izinto zilula kwaye phantsi kophahla olulodwa.
I-Xtraordianry yokunika i-1.75 yeepesenti ye-APY ngaphezu kwee-ATM zokuhlawula imali, ngoko ke i-akhawunti yokujonga i-akhawunti yezinga eliphezulu kungakhathaliseki ukuba uyijonga njani.