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FIRE IN THE WIRE

FIRE IN THE WIRE

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I'd like to hear from employees who has dealt with our credit union. The good/bad experiences with them. What're some of the up's & downs with dealing with them?
 
FIRE IN THE WIRE said:
I'd like to hear from employees who has dealt with our credit union. The good/bad experiences with them. What're some of the up's & downs with dealing with them?
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I like this question. I've often wondered this myself. Seems not so exclusive though. Basically anyone can join..friends of friends, family ect
 
I've been a member for several years, its always been a good expreance they have checking,debit cards, savings, Christmas club,and loan money.I have browed money before at a good rate and they will take it out of your check each week.
 
I had a car loan through them about 12 years ago, great rates then. Bad thing is there are only a few FECCA ATMs so if you withdraw from your account there is usually a fee. My local credit union only charges another credit union 25 cents though so it's not bad.
 
roogie said:
I had a car loan through them about 12 years ago, great rates then. Bad thing is there are only a few FECCA ATMs so if you withdraw from your account there is usually a fee. My local credit union only charges another credit union 25 cents though so it's not bad.
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Yeah I'm curious what the rates would be nowdays. Knowing I know they base your rate off of your credit report and u are subject to open a checking acct. May have to get the ole' lady into something more dependable b4 the dandruff stuff starts falling out of the sky...lol. I wasn't aware of the scarce number of ATM's & fees.
 
We have a banking account at our local bank, I like to use credit union for myself its helped me to pay a lot of things off.
 
I cut myself off I guess,but I put so much a week in checking some in savings and some in Christmas club,which comes in handy,but I let it build up over a month and use free checking to make a payment,say a 200 dollar tractor payment I pay 600 paid off quick,seems when it comes out of my check before I get it you get use to it and don't miss it,this may not answer the original queston but it didn't cost anything.
 
We have a car loan there at 1.49% which is grear for a used car. The paperwork was a bit of a hassle as we encountered a few problems but we got it straightened out. You can check out the rates at fecca.com
 
moomoo said:
I cut myself off I guess,but I put so much a week in checking some in savings and some in Christmas club,which comes in handy,but I let it build up over a month and use free checking to make a payment,say a 200 dollar tractor payment I pay 600 paid off quick,seems when it comes out of my check before I get it you get use to it and don't miss it,this may not answer the original queston but it didn't cost anything.
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I'm personally not a member of FECCA but with the credit union where I am a member, they take the payment right from my check when it's directly deposited and they also take payments weekly resulting in 13 monthly payments a year due to there being 52 weeks vs 12 months a year...this makes the "monthly" payment lower and you pay off your loans quicker!!
Not sure if FECCA takes weekly payments.
 
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