Banks
Bank vs. Credit Union: What's the Difference?
Credit unions are member-owned and often pay more on savings and charge less on loans; banks usually offer more branches, technology and products. Here is how to choose.
Credit Unions
Credit unions are member-owned and often cheaper for borrowers with imperfect credit. These guides explain what they offer.
4 guides about “Credit Unions”.
Loan Rates
Secured vs. Unsecured Personal Loans: Key Differences
A secured loan is backed by collateral such as savings or a car, which lowers the lender's risk and often your rate. An unsecured loan relies on your credit alone. Here is how to choose.
Loan Rates
Payday Alternative Loans (PALs): The Credit Union Option Capped at 28%
Payday alternative loans let federal credit union members borrow $200 to $2,000 at no more than 28% interest plus a fee of at most $20. Learn the PAL I and PAL II rules and what they cost compared with a payday loan.
Loan Rates
How to Get a Personal Loan With Bad Credit (and Which Offers to Avoid)
Bad credit does not have to mean a 400% payday loan. Credit unions, secured loans and co-borrowers often cost a fraction of that. Here are the realistic options, their costs and the red flags to watch for.