ところでCredit Unionって何?
この前大手銀行がデビットカードでの買物に手数料をかけるという話をした。Direct Deposit(給料の直接振り込み)先を私の好きなFidelity MySmart(最近名前を Fidelity Cash Management account に変更)に変更した。徐々に大手銀行から離れつつある私である。 さて本題に入って。 銀行を大手から小さい所に変更するという話がFI planningで盛り上がっているのだが、その中にCredit Union(信用共同組合)の話が出ていた。 今更だけれど、 Credit Union と銀行の違い何?(笑) ということでウィキペディア。Credit Unionより引用。 Differences from other financial institutions Credit unions differ from banks and other financial institutions in that the members who have accounts in the credit union are the owners of the credit union[15] and they elect their board of directors in a democratic one-person-one-vote system regardless of the amount of money invested in the credit union.[16] A credit union's policies governing interest rates and other matters are set by a volunteer Board of Directors elected by and from the membership itself.[17] Credit unions offer many of the same financial services as banks, often using a different terminology; common services include: share accounts (savings accounts),