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Apache is functioning normally

June 1, 2023 by Brett Tams

From the Kansas City Chiefs to St. Louis’s Gateway Arch, Missouri has plenty to offer both residents and visitors. As a result, there are plenty of Missouri banks. In fact, it can be tough to narrow down the options.

Missouri Welcomes You

17 Best Banks in Missouri

From online banking apps to small community banks and large financial institutions, Missouri has a little of everything. Here are some of the best Missouri banks to kick off your search.

1. First Midwest Bank

Founded in Poplar Bluff, First Midwest Bank has branches and ATMs in Poplar Bluff, Columbia, Greenville, Piedmont, Puxico, Van Buren, and Williamsville. Currently, First Midwest is offering $.10 cash back per swipe of your First Midwest Dime-a-Time debit card.

Recently, First Midwest merged with Old National Bank to expand its service area and offerings to Indiana, Illinois, and Kentucky.

Pros:

  • Cash back with each debit card purchase
  • No monthly maintenance fees with most checking accounts
  • Wide variety of account options

Cons:

2. U.S. Bank

Missouri residents looking for a national bank with branches in Missouri might like U.S. Bank. You’ll find branches and ATMs in 25 different states, along with a mobile app that allows you to transfer funds, pay bills with bill pay, and split a check with Zelle.

U.S. Bank’s current special on CDs means you can earn up to 4.75% APY. Small business owners should consider U.S. Bank’s current checking bonus, which offers $500 if you open a new account and deposit $5,000. Deposit $15,000 and earn a $750 bonus.

Pros:

  • Robust mobile banking features
  • Up to $750 bonus for business checking account
  • Wide range of banking services

Cons:

3. Chime

Chime is a mobile banking solution with competitive interest rates on savings accounts. You’ll get fee-free1 ATM access nationwide at any MoneyPass, Allpoint, and VisaPlus Alliance ATM, as well as access to your direct deposit up to two days early2. Electronic deposit customers also qualify for up to $200 in overdraft protection through SpotMe5, although Chime charges no fees for overdrafts.

Pros:

  • No fees on checking account
  • Up to 2.00% APY3 on savings accounts
  • No overdraft fees

Cons:

  • No physical branches
  • No cash deposit options

4. GO2bank

GO2bank is an online banking solution with a full-featured mobile app and access to free ATM withdrawals and deposits through partners. Your account with GO2bank will include a checking account with no maintenance fees and a high-yield savings account.

If you’re interested in building credit, you can qualify for a GO2bank Secured Visa Credit Card, which reports your on-time payments to credit bureaus and requires no credit check.

Pros:

  • Fee-free checking account with direct deposit
  • Up to 4.50% APY on savings accounts
  • Cash deposits at 90,000+ retail locations nationwide

Cons:

  • No physical branches
  • Direct deposit necessary for free checking

5. Commerce Bank

Kansas City residents should consider Commerce Bank, a community bank with locations throughout the area. You’ll also find ATMs and branches throughout Missouri, as well as in 10 other states. You’ll find a wide variety of checking account and loan options, as well as savings accounts and CDs.

Not only will you get in-person customer service at a branch, but you can chat with a live banker at any time in the Commerce Bank CONNECT app. You’ll choose the banker and connect with the same representative every time.

Pros:

  • Branches and ATMs in 11 states
  • Free account includes full mobile banking services
  • Competitive rates on loans

Cons:

  • No fee-free ATMs outside the service area
  • Low interest rates on savings accounts and CDs

6. Regions Bank

With branches in Missouri, Alabama, Arkansas, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, and Texas, Regions Bank is a great option if you travel within the Midwest and Southeast.

Regions Bank offers a variety of banking services, including wealth management services and support for small business owners. With DepositSmart ATMs, you can skip the branch and deposit your funds at an ATM.

Pros:

  • DepositSmart ATMs let you deposit cash and checks without visiting a branch
  • Flexible requirements to waive checking account fees
  • Checking accounts for students and seniors

Cons:

  • Low rates on savings accounts
  • No branches or ATMs outside the Midwest and South

7. Axos Bank

If you don’t need a local branch, online banking might be an option. Axos Bank offers online services through its website and mobile banking app. There are multiple checking account options, including accounts with no monthly maintenance fees and rewards.

Axos offers unlimited ATM fee reimbursements, so you can use your debit card anywhere in the U.S. Currently, Axos has a $100 bonus for new checking account holders who open an account and have at least $1,500 in electronic deposits within the first 30 days.

Pros:

  • $100 bonus for new rewards checking account
  • Up to 3.30% APY on checking accounts
  • Unlimited reimbursements for out-of-network ATM fees

Cons:

  • No physical branches
  • Low interest rates on savings accounts

8. Central Bank

Central Bank is a regional bank with more than 130 locations in Missouri, Kansas, Illinois, and Oklahoma. You’ll find multiple checking account options, including a fee-free account with all the basic features.

You’ll enjoy free ATM transactions at any Central Bank ATM, as well as more than 37,000 ATMs nationwide. Central Bank also has robust business banking options, including loans and multiple checking options.

Pros:

  • Fee-free ATM withdrawals at 37,000+ MoneyPass locations nationwide
  • Personalized customer service at branches
  • Wide range of loan options available

Cons:

  • $50 minimum deposit to open
  • Branches in Missouri are mainly in the southwest and central part of the state

9. Bank of America

There are benefits to going with a national bank, including access to banking services while traveling and a broad range of features. As one of the largest national banks, Bank of America has competitive offerings, including a variety of checking account options and wealth management services.

Business customers can earn a $200 bonus for opening a new account and depositing $5,000 in the first 30 days. Individual banking customers should check out the $200 rewards bonuses on new credit cards.

Pros:

  • 3,900 branches and 15,000 ATMs nationwide
  • Robust free mobile banking features
  • Wide range of personal and business credit cards

Cons:

  • Low interest rates on savings accounts
  • Long waits for customer service

10. Great Southern Bank

Great Southern is headquartered in Springfield, with branches in Missouri, Arkansas, Iowa, Kansas, Minnesota, and Nebraska. You’ll find multiple checking account options, with a free basic checking account.

Although Great Southern’s checking accounts require minimum deposits, there are three options with only a $25 minimum opening deposit required. That includes a second chance account designed to help those who struggle to establish an account due to their banking history.

Pros:

  • Fee-free ATM transactions at Allpoint ATMs nationwide
  • Branches across six states
  • Competitive rates on personal loans

Cons:

  • Checking accounts require a minimum deposit to open
  • Limited customer service hours

11. Belgrade State Bank

Belgrade State Bank is a local bank with checking and savings accounts. While there are limited ATMs and branches, Belgrade’s out-of-network ATM fee is only $1. This is in addition to the fees that will be charged by the third-party bank.

Belgrade has robust business banking options, including a fee-free checking account that includes 1,000 items per month, with a $0.25 charge per transaction after.

Pros:

  • Free checking with enrollment in e-statements
  • No minimum balance requirement for checking accounts
  • Competitive rates of personal loans

Cons:

  • Limited branch and ATM footprint
  • $50 minimum deposit to open

12. PNC

PNC is one of the biggest national banks with 26 branches in Missouri. Although PNC only has branches in 29 states, you’ll enjoy fee-free access to your cash at more than 60,000 ATMs nationwide, thanks to PNC’s partner network.

Pros:

  • Access to more than 60,000 ATMs nationwide
  • Branches in 29 states
  • Competitive mobile banking features

Cons:

  • Low interest rates on savings account
  • Accessible banking services, including support for non-English-speaking customers

13. Mid-Missouri Bank

Mid-Missouri Bank is one of the best banks for both the small business owner and the consumer. You’ll find 14 branches across Missouri, as well as ATMs within the coverage area. There are two checking accounts.

One issues an annual percentage yield on your balance, while the other offers cash back on debit card purchases. Mid-Missouri offers competitive rates on personal loans, including auto, home, and home equity lines of credit.

Pros:

  • 14 branches across Missouri
  • Basic account earns cash back or APY
  • Up to $25 in ATM fees refunded each month

Cons:

  • Lower APY on savings account than competitors
  • Limited number of branches and ATMs

14. Bank of Missouri

Bank of Missouri is one of the best banks in Missouri for its checking account perks. You’ll have three options: a bank account that earns 3.05% APY, an account that earns cash back on debit transactions, and an account that offers iTunes, Amazon, or Google Play refunds each month.

This bank’s checking accounts come with no monthly maintenance fees and refunds on up to $25 monthly in out-of-network ATM withdrawals.

Pros:

  • Rewards and interest-bearing checking accounts
  • No monthly fee on checking and savings accounts
  • Competitive rates on CDs

Cons:

  • Low rates on savings account
  • Limited number of branches and ATMs

15. UMB Bank

UMB Bank is one of the longest-running Missouri banks, having been in existence for more than a century. You’ll find branches throughout Missouri, as well as in Illinois, Colorado, Kansas, Oklahoma, Nebraska, Arizona, and Texas.

UMB also offers online banking options that make it easy to transfer funds and deposit checks. One downside to UMB is its ATM footprint. You’ll pay $2 if you can’t find a UMB ATM, and those are limited to its service area.

Pros:

  • Robust mobile banking options
  • Fee-free checking account available
  • Competitive rates on CDs

Cons:

  • Minimum deposits required for all checking accounts
  • Low interest rates on savings account

16. Simmons Bank

If you’re looking for the best checking account among banks in Missouri, consider Simmons Bank, which offers impressive checking and savings accounts with plenty of branches throughout Missouri.

You’ll get fee-free cash withdrawals nationwide at MoneyPass ATMs, along with fee-free checking that requires no minimum balance or opening deposit.

Pros:

  • Fee-free checking options
  • Multiple checking and savings accounts
  • Fee-free cash access at MoneyPass ATMs nationwide

Cons:

  • Competitive rates on CDs
  • Minimum deposit on savings account

17. First State Community Bank

First State Community Bank has more than 50 branches throughout Missouri for that in-person customer service. You’ll also get free access to ATMs in the MoneyPass network for cash withdrawals while you’re traveling.

The basic account, Free eChecking, offers all the features you’ll likely need with no monthly fee as long as you sign up for electronic statements.

Pros:

  • Fee-free cash access at MoneyPass ATMs nationwide
  • Fee-free checking option when you sign up for electronic statements
  • Round up debit transactions to boost your savings

Cons:

  • Opening deposit required for checking
  • Limited branch locations

Frequently Asked Questions

What is the most popular bank in Missouri?

Like most states, Missouri has plenty of large corporate banks with branches in the area. Some consumers will always prefer that option due to the wealth of banking services and access to ATMs nationwide. Bank of America has a strong presence in Missouri, as does U.S. Bank.

But when it comes to popularity, locals tend to cite smaller banks. Central Bank is often mentioned as a favorite, in part due to its heavy presence throughout Missouri. Commerce Bank also often tops lists of the best banks in Missouri.

If you go with a local bank, look for one that’s covered by the Federal Deposit Insurance Corporation and pay close attention to whether you’ll have access to cash withdrawals at ATMs while traveling.

What is the best bank for small businesses in Missouri?

Those looking for business accounts typically have different criteria than those searching for personal accounts. You might be more interested in being able to invoice customers, for instance, or track spending for tax purposes.

If you’re a freelancer in Missouri, take a look at Axos for your small business banking. U.S. Bank has great money management features, so if that’s a priority, take a look at its small business banking services.

Which Missouri bank has the best customer service?

As valuable as it can be to have a bank account with no monthly maintenance fees or plenty of ATMs, sometimes it’s all about getting help when you need it. If you like in-person service, go with a small brick-and-mortar option with branches that are convenient to you. First State and Bank of Missouri are both great traditional banking options.

For some people, though, the best banks are those that offer easy-to-use remote customer service. Whether that means getting help via a chatbot or connecting with a representative by phone, narrow the options to something that works for you. Ally Bank has been recognized for its 24/7 customer support, primarily because you’ll get an estimate of how long you’ll have to wait on hold before you launch the call.

Which Missouri bank is the most reliable?

As long as you go with an FDIC-insured bank, your funds will be protected up to $250,000. Still, nobody wants to stress over a bank eventually going under. Large corporate banks like Bank of America and U.S. Bank have a long history and an impressive asset value that protects them from default.

But there are plenty of reliable local banks in Missouri as well. First State has been in business for 150 years, and Central Bank was founded in 1902. Both are unlikely to go anywhere and if they did, it would be to merge with another bank or join a parent company.

The best banks are the ones that fill your needs while also keeping fees at a minimum. It’s important to compare at least a few options to make sure you’re getting the best deal for your Missouri banking needs.

1. Out-of-network ATM withdrawal fees may apply with Chime except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

2. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Chime generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

3. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is accurate as of May, 22, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.

5. Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each at least once every 34 days. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member’s Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won’t cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.

Source: crediful.com

Posted in: Credit 101 Tagged: 2, 2023, About, ACH, Alabama, All, AllY, Amazon, analysis, app, Apps, Arizona, Arkansas, asset, ATM, Auto, balance, Bank, bank account, bank of america, Banking, banks, basic, before, Benefits, best, Bill Pay, bills, bonus, bonuses, brick, building, Building Credit, business, Business Credit, business credit cards, cash back, CDs, chance, Checking Account, Checking Accounts, Chime, city, Colorado, columbia, Community Bank, Community banks, company, cons, Consumers, Credit, Credit Bureaus, credit card, credit cards, credit check, customer service, Debit Card, deposit, deposit insurance, Deposits, Direct Deposit, earn interest, equity, FDIC, Featured, Features, Federal Deposit Insurance Corporation, Fees, Financial Wize, FinancialWize, Florida, Free, free checking, funds, Georgia, Google, great, history, hold, home, home equity, hours, Illinois, in, indiana, Insurance, interest, interest rates, items, Kansas City, Kansas City Chiefs, launch, lists, Live, loan, Loans, Local, louisiana, low, low rates, LOWER, maintenance, Make, member, Midwest, mississippi, missouri, mobile, Mobile App, Mobile Banking, money, Money Management, More, most popular, nebraska, needs, new, new credit cards, no fee, north carolina, offer, offers, Online Banking, or, Other, overdraft, overdraft fees, overdraft protection, party, pay bills, payments, Personal, Personal Loans, play, PNC, Popular, pros, protection, Purchase, questions, Rates, rewards, rewards checking, Rewards Checking Account, risk, running, savings, Savings Account, Savings Accounts, search, searching, second, Seniors, single, Small Business, South, South Carolina, southwest, Spending, St. Louis, states, stress, students, tax, Tennessee, texas, time, timing, track spending, traditional, Transaction, Travel, u.s. bank, under, value, variable, visa, visitors, wants, wealth, wealth management, will, withdrawal

Apache is functioning normally

June 1, 2023 by Brett Tams

As an Amazon Associate I earn from qualifying purchases.

1-bedroom-apartments-under-1500

Finding affordable one-bedroom apartments in DC can be a daunting task, considering factors such as limited availability, skyrocketing prices, and navigating through various listings and potential scams. However, we’ve done the hard work for you and curated a list of 10 one-bedroom apartments available for rent today, all priced under $1900. Don’t hesitate, as these budget-friendly options are sure to get snatched up quickly. Take swift action and secure your ideal one-bedroom apartment under $1900 before they’re gone!

Rent-control-apartments-DC-1400-Van-Buren

1400 Van Buren Apartments

1400 Van Buren NW
Washington, DC 20014

Apt #34  — $1705

Located in the Brightwood neighborhood of Washington, DC, you’ll find this charming brick building offering spacious one and two-bedroom apartments. Less than a ten-minute walk from 1400 Van Buren’s front door you can find over 15 casual dining options including Julia’s Empanadas, Serengeti Restaurant, and Haydee’s Restaurant. When it’s time to head to the grocery, Safeway is only .4 of a mile down the road. Commuting is a breeze with bus routes 52, 53, 54, S2, and S4 stopping right outside the property. The Takoma Metro station is just under a mile away.

Colonnade-one-bedrooms-under-1500

2 Forrester Street SE
Washington, DC 20032

Apt #202 — $1210

We make budgeting so much easier at Colonnade Apartments! You pay your rent; we pay your utilities. The Colonnade offers sunny one-bedroom apartments for rent with hardwood floors and updated oak kitchen cabinets. Each apartment has a walk-in closet, ceiling fans in each bedroom, and a separate dining area with chandelier. The Colonnade apartments are located in southeast Washington, DC. Your new affordable apartment home is just minutes From I-295, walking distance from local schools, hospitals, and shopping. Best of all, all utilities are included.

Rent-control-apartments-DC-Hillside-Terrace

Hillside Terrace Apartments

1812 23rd Street, SE
Washington, DC 20020

Apt #211 — $1345

Looking for an apartment to rent, but want to live in a quiet neighborhood? Fall in love with Hillside Terrace. Our apartment community is nestled in the tranquil neighborhood of Randle Highlands. Randle Highlands is best known as a small residential neighborhood in Southeast Washington, DC. Hillside Terrace’s garden-style apartment buildings are charmingly situated on professionally landscaped grounds. The studio, one, and two bedroom apartments feature updated kitchens and baths, as well as ample closet space and some of the utilities are included with the rent. The Hillside Terrace community is just a short car trip from all of downtown Washington, DC’s entertainment and shopping.

tax-credit-properties-DC-Shipley-Park

Shipley Park

2532 Southern Avenue SE
Washington, DC 20020

Apt #3432-25 — $1231

Shipley Park has worked to bring function and design to your apartment’s kitchen and bathroom. We invite you to visit and see Shipley Park’s range of practical features designed to make your every day experience even more delightful. Experience the new hardwood floors, oak kitchen cabinets and a breakfast bar in your one or two bedroom apartment. Enjoy easy access to shopping, the Town Hall Art and Recreation Campus (THEARC), a neighborhood splash park and the Suitland Parkway.

tax-credit-properties-DC-Archer-Park

Archer Park

1200 Mississippi Avenue SE
Washington, DC 20020

Apt 227 –$1435

Welcome Home to Archer Park Apartments, brand new one and two-bedroom apartment home tax credit community. Each home was designed with you in mind; Energy Star Stainless Steel appliance package, laminate flooring throughout, stackable washer and dryer in each home. The community has a fitness facility, business center, and concierge.

Apartments-all-utilities-included-dc-Pleasant-Hills

Pleasant Hills Apartments

100 Fort Drive NE
Washington, DC 20011

Apt #6–$1650

Find beauty in the unexpected. Just off North Capitol Street, discover Pleasant Hills. Offering spacious and affordable apartment homes that feature beautiful hardwood floors, built-in shelves and renovated kitchens for that inner chef. Pleasant Hills is across from Archbishop Carroll High school, two blocks from Catholic University, and a short distance from the Brookland Metro station. Brookland’s thriving community includes plenty of dining options including Col. Brooks Tavern, San Antonio Grill, and Brookland Cafe.

Apartments-all-utilities-included-dc-Jetu-apartments

Jetu Apartments

2100 Maryland Ave NE
Washington, DC 20002

Apt #4–$1430

Discover our beautifully landscaped community located in the heart of Northeast, near Langston Golf Course and National Arboretum. Jetu Apartments offers affordable one and two bedroom apartment homes for rent. Featuring gas range stoves, upgraded kitchens, frost-free refrigerators, mini-blinds, and wall to wall carpet. Each apartment offers a separate dining area with chandelier lighting. The grounds include two new playgrounds, a community room, and a community garden.

Apartments-all-utilities-included-dc-Jetu-apartments

3101 Pennsylvania

3101 Pennsylvania Ave SE
Washington, DC 20020

Apt #403-$1396

Situated in Randle Highlands, 3101 Pennsylvania presents a feline-friendly apartment community in Southeast Washington DC. We provide one and two-bedroom apartment homes adorned with hardwood floors and modernized kitchens equipped with energy-efficient appliances. Additionally, you have convenient online access to your resident account 24/7. Uncover the comforts offered at 3101 Pennsylvania.

Apartments-all-utilities-included-dc-Jetu-apartments

Juniper Courts

7701 Georgia Ave NW
Washington, DC 20012

Apt #303-$1395

Discover Juniper Courts, your destination for affordable and stylish one-bedroom apartments in the Takoma neighborhood of Northwest Washington DC. Situated on Georgia Avenue, this completely renovated building offers a range of apartment options, including studios, one-bedroom, and two-bedroom units. Step into spacious floor plans adorned with beautiful hardwood floors, ample natural lighting, and central A/C, creating a welcoming and dream-like atmosphere. At Juniper Courts, convenience and enjoyment are paramount, with outstanding community amenities such as on-site maintenance and management, laundry facilities, dry cleaning services, and a community room equipped with computers. Plus, the prime location grants easy access to Downtown Silver Spring and the entire DC area. Experience the perfect blend of affordability and convenience at Juniper Courts.

Apartments-all-utilities-included-dc-Jetu-apartments

Juniper Courts

7701 Georgia Ave NW
Washington, DC 20012

Apt #303-$1395

Discover Juniper Courts, your destination for affordable and stylish one-bedroom apartments in the Takoma neighborhood of Northwest Washington DC. Situated on Georgia Avenue, this completely renovated building offers a range of apartment options, including studios, one-bedroom, and two-bedroom units. Step into spacious floor plans adorned with beautiful hardwood floors, ample natural lighting, and central A/C, creating a welcoming and dream-like atmosphere. At Juniper Courts, convenience and enjoyment are paramount, with outstanding community amenities such as on-site maintenance and management, laundry facilities, dry cleaning services, and a community room equipped with computers. Plus, the prime location grants easy access to Downtown Silver Spring and the entire DC area. Experience the perfect blend of affordability and convenience at Juniper Courts.

Apartments-all-utilities-included-dc-Jetu-apartments

Juniper Courts

7701 Georgia Ave NW
Washington, DC 20012

Apt #303-$1395

Discover Juniper Courts, your destination for affordable and stylish one-bedroom apartments in the Takoma neighborhood of Northwest Washington DC. Situated on Georgia Avenue, this completely renovated building offers a range of apartment options, including studios, one-bedroom, and two-bedroom units. Step into spacious floor plans adorned with beautiful hardwood floors, ample natural lighting, and central A/C, creating a welcoming and dream-like atmosphere. At Juniper Courts, convenience and enjoyment are paramount, with outstanding community amenities such as on-site maintenance and management, laundry facilities, dry cleaning services, and a community room equipped with computers. Plus, the prime location grants easy access to Downtown Silver Spring and the entire DC area. Experience the perfect blend of affordability and convenience at Juniper Courts.

Amazon and the Amazon logo are trademarks of Amazon.com, Inc, or its affiliates. Rental providers will not refuse to rent a rental unit to a person because the person will provide the rental payment, in whole or in part, through a voucher for rental housing assistance provided by the District or federal government.



Also published on Medium.

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Source: blog.apartminty.com

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Apache is functioning normally

June 1, 2023 by Brett Tams

When Mary Krewsun, 65, retired as a physician assistant, she set a goal of traveling because now she has the time. During five days, she walked for 100 kilometers (about 62 miles) along the ancient pilgrim route known as the Camino de Santiago, which culminates in northwest Spain.

“I had heard about the Camino from a cousin who did it, and I was like, ‘I’ve got to do that; that’s going on my bucket list,’” said Krewsun.

She and two friends skipped the hostel route and booked stays in boutique properties, with someone bringing their bags from place to place. “I didn’t want to sleep in a dorm with 15 men snoring,” Krewsun said.

It was the trip of a lifetime, even if her feet sometimes hurt. “I figured, ‘You better do this now while you still can,’ and I am glad I did,” she shared.

Krewsun is not alone in her retirement goal of seeing more of the world. During the pandemic, retirees, like everyone else, delayed travel. Whether it’s a close-to-home road trip or a once-in-a-lifetime international extravaganza, retirees are playing a huge role in the travel surge that’s expected to continue through summer 2023.

A majority of adults (62%) age 50 and over will take at least one vacation in 2023, and most will take between three and four trips, according to a recent survey by AARP.

You have time, and you have money saved, but where to go? Here are some retirement trip ideas to get you started.

Around-the-world cruise

Cruises of two months or more are selling swiftly, so much so that there are cruise lines offering world cruises for the first time. The flashiest is Royal Caribbean, with a record-breaking nine-month itinerary that covers 65 countries on seven continents. The inaugural ship departs in December 2023.

The idea for such cruises is seeing the world in one fell swoop, though often the term “world” is used loosely. Most don’t visit every continent but combine several iconic places. You might, for instance, cruise from Southampton in the United Kingdom to Dubai, Singapore, Melbourne and Cape Town on Cunard, which offers 100-plus day world cruises each year on ships that include Queen Mary 2. In 2024, Queen Mary 2 will visit Europe, Africa and Australasia on a 108-night World Voyage.

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Upscale Oceania Cruises has Around the World in 180 Days itineraries, while ultra-luxury line Silversea introduced the concept of a soft-adventure, expedition world cruise from pole to pole. If you’re considering a world cruise, be ready. Start studying the possible itineraries. Then, learn when bookings will open for sale. They tend to sell out fast, sometimes even in a day.

DAVID RAYMER/GETTY IMAGES

Family reunion

For retirees determined to get to know the grandkids better, family reunion trips afford bonding opportunities and can become the stuff of family lore — as in, “Remember when grandpa thought he caught a big fish and it was just a clump of seaweed?”

Depending on how you, the kids and grandkids like to travel, you might take the family to a Disney resort, book a condo at a ski destination, stay at a dude ranch, or charter a yacht in the Caribbean.

You might choose a stay at an old-fashioned resort such as the Omni Mount Washington Resort in Bretton Woods, New Hampshire, or the Grand Hotel on Mackinac Island in Michigan, which includes an excuse to dress up for dinner — and an opportunity to distract the grandkids from their iPads with old-school activities like lawn games.

A good plan is to throw out a few destination ideas and see where your family lands.

MORSA IMAGES/GETTY IMAGES

Follow your passion

Retirement is a time when you might want to pursue your specific interests, and some of those interests may prove great themes for travel. If your goal is improving your golf game, plan that dream trip to St. Andrews Old Course, Royal Dornoch and others which are among the best courses in Scotland.

Improve your sipping skills on the Kentucky Bourbon Trail or on a wine-themed river cruise through Bordeaux. Or splurge on a luxury driving trip, such as a six-day Porsche Travel Experience driving a Porsche 911 on mountain passes across the French Alps — a package that includes a stay in a luxury Alpine “igloo” and a helicopter flight over Mont Blanc, Europe’s highest mountain.

Walk the world’s great treks

You might, like retiree Krewsun, want to look at a shortened “Camino in Style” hike along the famous 500-mile Camino Frances pilgrim trail, which she booked through Macs Adventures. If you’re super fit, do the whole thing over some 35 days.

There are other amazing hikes to consider in destinations around the world. They include the moderately strenuous Kungsleden (The King’s Trail), about 273 miles through northern Sweden, or the highly strenuous 26-mile Inca Trail, gaining 13,838 feet in elevation, over four days, to the mystical Incan citadel of Machu Picchu. Companies such as Wildlife Trekking and Country Walkers have an array of organized group treks.

WESTEND61/GETTY IMAGES

Book a bike trip

Appropriate for active retirees, bike tours run the gamut from leisurely to extreme. You’ll want to carefully choose your level and route. On the easy end, companies such as Backroads and VBT now have the option on select tours in the U.S. and Europe of using e-bikes.

You may pedal or e-bike through Switzerland, Germany and France, for instance, on VBT’s Black Forest and the Alsace Wine Route itinerary. If you’re looking for a challenge, a Backroads trip through the Canadian Rockies, from Banff to Jasper National Park, allows experienced cyclists to opt on select days for Level 4 or 5.

While the Level 2 members of your group might do 22 miles near scenic Lake Louise, Level 5 that day is an 86-mile ride with a 5,800-foot elevation gain. Both companies also have well-planned self-guide bike tours you can do at your own pace.

Live like a local

Since you’ve got time, consider planting yourself in one place for several weeks, rather than doing a fly-by of various destinations. Staying in an apartment or house, cooking some of your own meals, shopping at markets, mingling with locals and immersing yourself in the local scene is a rewarding experience — never mind that you might hear references to “the Americans” as you walk down the main drag of a small town in Italy.

Before Airbnb and Vrbo, it was harder to find a decent place to stay in, say, bohemian Le Marais or along the glitzy Amalfi Coast. That’s not the case anymore. Plug-in your dates and how many rooms you need, requesting high-speed internet, a washer/dryer, or whatever you want. Carefully read the ratings and reviews of previous travelers to compare options and you’re good to go.

Take that once in a lifetime adventure

Perhaps you’ve put off that longer “bucket list” adventure trip to see penguins in South Georgia and Antarctica, or to go snorkeling in the Great Barrier Reef, or maybe see the Big Five on a safari in Africa — all because you haven’t been able to get the time off from work to do it. What’s stopping you now?

Closer to home, Alaska is a destination that you’ll want to take the time to explore on land and sea, for a minimum of two weeks but probably more, unless you expect to return again at a later date.

MASSIMO COLOMBO/GETTY IMAGES

Go on a road trip

A big road trip is something else you’ve put off because of time constraints. Consider such extraordinary drives as a national parks route through Arizona and Utah, a plan to see California from San Francisco to San Diego, or a 600-mile journey on the Pacific Coast Highway.

Another drive is on Route 66, perhaps a two-week, 2,400-mile trip from Chicago to Santa Monica, lingering at state and national parks, trading posts and such iconic sights as the Milk Bottle Grocery in Oklahoma City and Cadillac Ranch in Amarillo, Texas.

Another must-do multi-day drive is the 469-mile Blue Ridge Parkway – the roadway through Virginia and North Carolina that the National Park Service refers to as “America’s Favorite Drive.” Farther afield is the 825-mile Ring Road that circles Iceland.

Bottom line

You’re retired. Now is the time to go for it.

Source: thepointsguy.com

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Apache is functioning normally

June 1, 2023 by Brett Tams

Thanks to thriving metropolises like Louisville and Lexington, Kentucky continues to grow, but the city is made up of charming small towns, too. The best banks in Kentucky offer a variety of amenities, while also putting the community first.

From college towns like Bowling Green to Bourbon Trail towns like Bardstown, you’ll find plenty of banks, making it easy to find the bank that’s right for you.

Kentucky sign

12 Best Banks in Kentucky

Kentucky has a wide range of banks, from large, corporate banks to small community banks. This list of the best banks in Kentucky takes a look at the various types to help you find the best option for your banking needs.

1. Fifth Third Bank

Headquartered in nearby Cincinnati, Fifth Third Bank has branches in Kentucky, Ohio, Florida, Georgia, Illinois, Indiana, Michigan, North Carolina, South Carolina, Tennessee, and West Virginia.

The best deal comes with the Fifth Third Bank Momentum Checking account, which is a free checking account with no minimum balance requirements or opening deposit. You’ll get fee-free cash access at Fifth Third Bank ATMs, as well as at more than 40,000 partner ATMs nationwide.

Fees:

  • No monthly service fee
  • $37 overdraft fee

Balance requirements:

  • No opening deposit
  • No minimum daily balance required

ATMs:

  • Fee-free at more than 40,000 Fifth Third Bank and partner ATMs nationwide
  • $3 charge per transaction at out-of-network ATMs

Interest on balance:

  • 0.01% APY on savings
  • 0.01% APY on money market accounts
  • Up to 4.55% APY on CDs

Additional perks:

2. Chime

If you don’t need a local Kentucky bank branch, an online banking option like Chime may be the best deal. You’ll get all the mobile banking features you’d find with a national bank without the fees. The checking account comes with no monthly maintenance fees or balance requirements.

As long as you have at least $200 directly deposited into your account each month, you’ll qualify for up to $200 in overdraft protection. The automatic savings feature rounds up debit card purchases and puts the money into your savings account, which earns 2.00% APY.

Fees:

  • No monthly service fee
  • No overdraft fee (with qualifying direct deposit)

Balance requirements:

  • No minimum opening deposit
  • No minimum daily balance required

ATMs:

  • Fee-free at more than 60,000 ATMs nationwide
  • $2.50 for each out-of-network ATM transaction

Interest on balance:

  • 2.00% APY on savings accounts

Additional perks:

  • SpotMe covers up to $200 in overdrafts
  • Each purchase on your Visa debit card can be rounded up for automatic savings

3. First State Bank

First State Bank is a Kentucky bank with branches throughout Breckinridge County. If you prefer a community bank, First State is one of the best banks in Kentucky, whether you’re looking for personal or business checking accounts. But where this local bank falls short is in its ATM presence.

Branches and ATMs don’t cross the Kentucky line, although you’ll find ATMs throughout the state. They do make up for it, though, by having a low out-of-network usage fee. You’ll pay only $.75 per transaction on the First State side. Keep in mind, though, that this is in addition to any fees charged by third-party ATM owners, which First State doesn’t refund.

Fees:

  • No monthly service fee
  • $20 overdraft fee

Balance requirements:

  • $25 minimum opening deposit
  • No minimum daily balance required

ATMs:

  • Fee-free at First State Bank ATMs (limited to Breckinridge County)
  • $0.75 charge per transaction at out-of-network ATMs

Interest on balance:

  • Rates aren’t disclosed

Additional perks:

  • Business checking accounts with personalized support
  • Heavy branch presence for Breckinridge County-area residents

4. Chase

If you like the amenities of a national bank, Chase has multiple locations throughout Kentucky. You’ll get fee-free access to more than 16,000 Chase ATMs nationwide, as well as solid mobile banking options. Chase is currently offering a $200 bonus for new Total Checking accounts as long as you maintain a $1,500 balance or have at least $500 in direct deposits each month. If you’re looking for wealth management services, Chase offers that through its parent company, JPMorgan.

Fees:

  • $12 monthly service fee (waived with qualifications)
  • $34 overdraft fee

Balance requirements:

  • No minimum opening deposit
  • $1,500 minimum balance required to waive service charge (or $500 in direct deposits)

ATMs:

  • Fee-free at more than 16,000 Chase ATMs nationwide
  • $3 charge per transaction at out-of-network ATMs

Interest on balance:

  • 0.01% APY on savings accounts
  • Up to 4.00% APY on CDs

Additional perks:

  • Account options for children and college students
  • Overdraft Assist lets you remedy overdrafts before fees kick in

5. GO2bank

Another online banking option is GO2bank, which offers a free checking account and a variety of mobile banking services. But the best feature of GO2bank is its 4.50% APY savings account, which is above what many competitors offer. You can also withdraw cash at more than 55,000 AllPoint locations and deposit cash at nearly 90,000 retail locations nationwide.

Fees:

  • No monthly service fee
  • $15 overdraft fee

Balance requirements:

  • No minimum opening deposit
  • No minimum daily balance required

ATMs:

  • Fee-free at more than 55,000 AllPoint ATMs nationwide
  • $3 for each out-of-network ATM transaction

Interest on balance:

  • 4.50% APY on savings accounts

Additional perks:

  • Deposit cash at nearly 90,000 retail partners nationwide
  • Up to $200 in overdraft coverage

6. Republic Bank & Trust Company

Headquartered in Louisville, Republic Bank & Trust Company is a local account with a variety of checking accounts. Republic Bank has an entry-level account, Simple Access, that has no overdraft fees, but you will have to either have one monthly direct deposit, one debit card transaction, or one online bill pay transaction monthly. Republic Bank has higher-than-average interest rates on CDs and savings accounts, as well as competitive rates on personal loans.

Fees:

  • $4.95 monthly service fee (minimum activity required)
  • No overdraft fee

Balance requirements:

  • $10 minimum opening deposit
  • No minimum balance

ATMs:

  • Fee-free at more than 90,000 locations nationwide

Interest on balance:

  • 0.35% APY on savings accounts
  • Up to 4.15% APY on CDs

Additional perks:

  • Specialized loans like aircraft financing
  • Award-winning customer service

7. Whitaker Bank

Another local bank with plenty of physical branches is Whitaker Bank, a community bank with 34 locations across Kentucky. Whitaker has multiple checking accounts, but the least expensive is Whitaker FREE Checking, which has no fees or minimum balance requirements.

Like many local banks in Kentucky, though, the availability of ATMs could be a problem if you travel. Whitaker charges no fees for its own ATMs or out-of-network ATMs, but you will have to pay third-party fees.

Fees:

  • No monthly service fee
  • $34 overdraft fee

Balance requirements:

  • $100 minimum opening deposit
  • No minimum daily balance required

ATMs:

  • Fee-free at Whitaker Bank locations across Kentucky
  • No fees for out-of-network ATM transactions

Interest on balance:

  • .01% APY on savings accounts
  • Up to .05% APY on money markets
  • Up to .50% APY on CDs

Additional perks:

  • Multiple ways to bank, including by text
  • Free fraud alerts

8. American Bank & Trust

Southern Kentucky is a bustling area of Kentucky, thanks to Western Kentucky University. If you live in the Bowling Green area, American Bank & Trust is one of the best banks in the area.

American Bank & Trust offers a free checking account with no minimum balance required and overdraft fees of only $5 per occurrence. In addition to fee-free access to American Bank & Trust ATMs, the bank also refunds up to $16 in third-party ATM fees.

Fees:

  • No monthly service fee
  • $5 overdraft fee

Balance requirements:

  • $50 minimum opening deposit
  • No minimum daily balance required

ATMs:

  • Fee-free at AMBank ATMs, as well as hundreds of ATMs nationwide
  • Up to $16 in third-party ATM fees refunded monthly

Interest on balance:

  • .50% APY on savings accounts
  • Up to 2.75% APY on money markets
  • Up to 4.50% APY on CDs

Additional perks:

  • Competitive rates on personal loans
  • Bank My Change feature helps you set money aside

9. South Central Bank

With branches across Kentucky, South Central Bank is one of the best banks in Kentucky for friendly service and a variety of banking services. South Central offers multiple checking accounts, including several with no monthly maintenance fee.

With some checking account options, you’ll need to sign up for e-statements and have at least 15 monthly debit card transactions for the $6 fee to be waived. South Central also offers wealth management services, including investing and retirement planning.

Fees:

  • No monthly service fee
  • $30 overdraft fee

Balance requirements:

  • $100 minimum opening deposit
  • No minimum daily balance required

ATMs:

  • Fee-free at South Central Bank ATMs in Kentucky and Tennessee

Interest on balance:

  • Up to 4.50% APY on CDs

Additional perks:

  • $25 for each new account holder you refer
  • Small business checking and savings account options

10. Independence Bank

Headquartered in Owensboro, Independence Bank makes the list of best banks in Kentucky due to its competitive rates on CDs and variety of free checking accounts. There are perk-packed checking account options for active-duty military and veterans, as well as branches across the state.

You can also interact with live tellers through select ATMs, which Independence Bank labels “ITMs,” or interactive teller machines.

Fees:

  • No monthly service fee
  • $34 overdraft fee

Balance requirements:

  • $50 minimum opening deposit (waived with direct deposit)
  • No minimum daily balance required

ATMs:

  • Fee-free at more than 55,000 AllPoint locations nationwide

Interest on balance:

  • Up to .01% APY on savings accounts
  • Up to 4.80% APY on CDs

Additional perks:

  • Interactive ATMs offer enhanced services, including live personal assistance
  • Active-duty military and veteran account options

11. Community Trust Bank

Although Community Trust Bank is spread throughout Kentucky, it’s actually one of the many regional banks, with branches and ATMs in Kentucky, Tennessee, and West Virginia. You’ll find multiple checking accounts, including an option with no monthly maintenance fee. If you travel outside the CTB service area, though, you’ll be on the hook for ATM fees.

Fees:

  • No monthly service fee

Balance requirements:

  • $100 minimum opening deposit

ATMs:

  • Fee-free at Community Trust Bank ATMs in Kentucky, Tennessee, and West Virginia
  • $2.50 per transaction at out-of-network ATMs

Interest on balance:

  • Interest rates not disclosed

Additional perks:

  • Prepaid cards available
  • Competitive rates on personal loans

12. Hometown Bank

Corbin, Kentucky residents looking for a small Kentucky bank should consider Hometown Bank, a community bank with locations in Corbin, London, Barbourville, and Williamsburg. Hometown has multiple checking and savings account options, including a free option with no monthly maintenance fees or balance requirements.

Fee-free ATM use is limited to the few ATMs within its service area, though, so if you frequently travel, this might not be the best Kentucky bank for you.

Fees:

  • No monthly service fee
  • $34.50 overdraft fee

Balance requirements:

  • $50 minimum opening deposit
  • No minimum daily balance

ATMs:

  • Fee-free at Hometown Bank ATMs

Interest on balance:

  • Interest rates not disclosed

Additional perks:

  • Round Up Savings moves funds from debit card purchases to savings account
  • Children’s accounts available

With so many banks in Kentucky, there’s a little something for everyone. Whether you prefer national or regional banks or you like the feel of a small community bank, it’s important to find one that has the features that work best for you.

How to Choose the Best Bank in Kentucky

If you’re in the market for a new bank account, it’s essential to first identify the features that are most important to you. Here are a few things to consider as you choose your banking provider.

Online Banking Offerings

Even if you prefer a bank you can visit in person, online banking is worth considering. Chances are, you’ll occasionally want to check your balance online.

The best checking accounts offer mobile baking features like remote deposit capture and funds transfers. Mobile apps have become essential for most financial institutions, so make sure you check out a preview of a bank’s app before signing up.

Checking Account Fees and Requirements

Even small fees can add up over the course of a month. If you can find a fee-free checking account, it could save money.

Some of the best banks in Kentucky offer free bill pay and no monthly fees. If you need paper checks, make sure you add that to your criteria for the best checking account, as well.

Locations

Both local and national banks often excel in providing brick-and-mortar banks that offer that in-person customer service you prefer. But it’s important to make sure the locations are convenient for you.

If you prioritize local branches, make sure you check ATM availability. It’s great to have free ATM withdrawals near your house. However, when you’re traveling, if you need cash and can’t access it, you may end up paying more in fees than if you’d had a checking account with no fees.

Source: crediful.com

Posted in: Credit 101 Tagged: 2, 2023, active, All, Amenities, analysis, app, Apps, ATM, average, balance, Bank, bank account, Banking, banks, before, best, Bill Pay, bonus, brick, business, CDs, chase, chase offers, Checking Account, Checking Accounts, Children, Chime, city, College, college students, Community Bank, Community banks, company, customer service, Debit Card, deposit, Deposits, Direct Deposit, entry, expensive, Features, Fees, Financial Wize, FinancialWize, financing, Florida, fraud, Free, free checking, friendly, funds, Georgia, great, green, Grow, house, How To, Illinois, in, indiana, interest, interest rates, Investing, list, Live, Loans, Local, louisville, low, maintenance, Make, making, market, markets, Michigan, military, mobile, Mobile Apps, Mobile Banking, money, money market, money market accounts, More, needs, new, north carolina, offer, offers, Online Banking, Online Bill Pay, or, overdraft, overdraft fee, overdraft fees, overdraft protection, party, Personal, Personal Loans, Planning, protection, Purchase, Rates, Refund, retirement, Retirement Planning, right, save, Save Money, savings, Savings Account, Savings Accounts, short, Side, simple, Small Business, small towns, South, South Carolina, students, Tennessee, Transaction, Travel, trust, veterans, virginia, visa, wealth, wealth management, will, work

Apache is functioning normally

June 1, 2023 by Brett Tams

The 2013-14 bowl season is well underway. Girlfriends and wives everywhere are rejoicing as football season slowly comes to an end. But it’s not over yet.

[find-an-apartment]

Here, we’ve listed some of the bigger games taking place over the next few days. Which school(s) are you rooting for?

TUESDAY DECEMBER 31 

Chick-fil-A Bowl
Duke vs. Texas A&MThe Georgia Dome in Atlanta, GA8 p.m. EST on ESPN

WEDNESDAY JANUARY 1

Capital One Bowl
South Carolina vs. WisconsinThe Florida Citrus Bowl Stadium in Orlando, FL
1 p.m. EST on ABC

Outback Bowl
Iowa vs. LSURaymond James Stadium in Tampa, FL1 p.m. EST on ESPN

Rose Bowl
Michigan State vs. StanfordThe Rose Bowl in Pasadena, CA
5 p.m. EST on ESPN

Tostitos Fiesta Bowl
Baylor vs. UCFUniversity of Phoenix Stadium in Glendale, AZ
8:30 p.m. EST on ESPN

THURSDAY JANUARY 2

Allstate Sugar Bowl
Alabama vs. OklahomaMercedes-Benz Superdome in New Orleans, LA
8:30 p.m. EST on ESPN

FRIDAY JANUARY 3

AT&T Cotton Bowl Classic
Missouri vs. Oklahoma StateAT&T Stadium in Arlington, TX7:30 p.m. on FOX

Discover Orange Bowl
Clemson vs. Ohio StateSun Life Stadium in Miami Gardens, FL
8:30 p.m. on ESPN

MONDAY JANUARY 6

BCS National Championship Game
Florida State vs. AuburnThe Rose Bowl in Pasadena, CA8:30 p.m. on ESPN

Be sure to visit our Facebook page and let us know what school you’re rooting for! And don’t forget to read our tips on how to host a winning football fete in your apartment!

Photo credit: Shutterstock / Daniel Padavona

Posted in: Home Loans Guide Tagged: apartment, Apartment Living, apartment tips, atlanta, big, College, Credit, facebook, Financial Wize, FinancialWize, Florida, football, games, Georgia, glendale, How To, in, Life, Living, Miami, new, orange, Orlando, Phoenix, place, rose, School, Sports, tampa, texas, tips

Apache is functioning normally

May 30, 2023 by Brett Tams

Compared to banks, credit unions offer more individualized service. Plus, many of them also provide lower fees and higher rates on certain accounts. However, you must become a member of a credit union to utilize its services. In most cases, credit union membership is reserved for people who live, work, and worship in a certain area.

Connexus Credit Union

Some credit unions are also geared toward those in specific professions, like education or law or anyone who makes a donation or joins an organization. You’ll be pleased to learn that most credit unions have made their membership criteria more lenient and opened up their offerings to more types of people. In fact, many of them are quite easy to join.

14 Best Nationwide Credit Unions

While many credit unions are small and can only be found in select local areas, there are quite a few that are nationwide. If you travel frequently for work or pleasure, you might be in the market for nationwide credit unions.

Fortunately, most credit unions that have a nationwide presence are easy to join and offer a variety of benefits. To make your search for the best federal credit unions a bit easier, we’ve compiled this handy list.

1. Connexus Credit Union

Headquartered in Wisconsin, Connexus Credit Union is known as one of the largest credit unions in the U.S. It has over 400,000 credit union members across all 50 states. This is no surprise as it partners with well-known companies, such as Liberty Mutual Insurance, Kraft, Honeywell, and BMW.

To join, you’ll need to qualify through your employer that’s one of the credit union’s partner companies or donate at least $5 and open an account. As a credit union member, you can enjoy high APYs on checking accounts and other deposit accounts as well as low rates on mortgages, personal loans, and car loans.

The Xtraordinary Checking Account offers an APY of up to 1.75% on certain balances so you can make the most out of your hard earned money. White you don’t have to pay any fees, Connexus does require that you spend a certain amount on your debit card and sign up for eStatements to take advantage of the interest.

Furthermore, if you don’t use your checking account for more than 90 days and have a balance of $100 or less, you may have to pay an inactivity fee. Connexus has more than 5,600 shared branches and over 67,000 fee-free ATMs. Plus, the credit union offers higher rates and exclusive discounts throughout the year.

2. Navy Federal Credit Union

If you’re part of the military community, Navy Federal Credit Union should be on your radar. You can become a member if you have an active duty or reservist military member, worked for the Department of Defense, or are the immediate family member of someone eligible for membership. You’ll also be required to open a Navy Federal savings account and make a minimum deposit of $5.

The credit union has about 350 physical branches worldwide and many of them are near military bases in Maryland, Virginia, and California. There are also more than 30,000 fee-free ATMs. If you like to do your banking on your mobile device, you’ll be pleased to know that there is a highly rated app.

If you join Navy Federal Credit Union, you can enjoy no monthly fees or minimal fees on basic savings or youth savings accounts. NFCU also offers several checking accounts as well as competitive rates for share certificates, which are basically certificates of deposits (CDs).

3. Consumers Credit Union

Based in Illinois, Consumers Credit Union has 11 branches in the Chicago suburbs but opens its membership to anyone in the country. All members get access to more than 5,000 shared credit union branches and over 30,000 ATMs.

To join, simply pay $5 and fill out a short application form. Consumers offers some of the highest annual percentage yields or APYs on its rewards checking accounts. However, it requires that you make at least 12 debit card purchases per month, enroll in eDocuments, and have a monthly minimum of $500 in ACH deposits, direct deposits, and mobile check deposits.

If you prefer, you can choose from a no-frills checking account that doesn’t earn any interest. Other product offerings include four savings accounts, IRA certificates, and money market accounts.

4. Pentagon Federal Credit Union

Founded in 1935, PenFed Credit Union is known as one of the largest credit unions in the country. It serves more than 2.8 million members and has over $36.6 billion in assets. While this best credit union was originally only available to military members and their families, it eventually opened the doors to anyone. You can join as long as you deposit $5 into a savings account.

As a PenFed member, you can reap numerous benefits, including great rates on checking accounts, savings accounts, and money market certificates. In addition, you can sign up for early direct deposit and access more than 85,000 fee – free ATMs across the nation.

Even though PenFed is not part of a shared branch network, like other credit unions, it pays high rates, and has about 40 of its own branches throughout the U.S. There’s also a solid mobile app and customer phone support with evening and weekend hours.

5. SkyOne Federal Credit Union

SkyOne Federal Credit Union is one of the best credit unions and has a mission to help families become financially stable. It serves more than 40,000 members with $600 million in assets. Since its inception in 1949, SkyOne has offered a robust lineup of financial products, like interest-bearing checking accounts, money market accounts, credit cards, mortgages, and car loans.

Its share certificates come with exceptional rates that you might not find at other credit unions. SkyOne also has a free mobile banking app, a plethora of free educational tools, and a network of thousands of credit union branches for easy access.

The main downfall of this credit union is that it’s geared toward those who work in the air transportation industry so you might have a difficult time qualifying. Fortunately, membership has recently become a bit more lenient to accommodate more people.

6. Alliant Credit Union

Illinois-based Alliant Credit Union has more than 700,000 members across the country. Unlike other credit unions on this list, Alliant operates strictly online. If you like the idea of online and mobile banking, this credit union should definitely be on your radar. Its online accounts pay highly competitive interest rates that can be as much as 22X the national average.

Plus, you don’t have to worry about overdraft or ATM fees. You can also score up to $200 per month in ATM rebates. While its checking and savings accounts are the most popular products, Alliant also provides mortgages, auto loans, personal loans, and credit cards. At this time, Alliant does not offer any no-penalty or specialty CDs.

Customer service is available 24/7 and there’s also an online contact form you can use for less pressing questions or concerns. To become a member, join Foster Care to Success (FC2S). Once you do, Alliant will pay the $5 membership fee to the organization for you.

7. First Tech Federal Credit Union

First Tech Federal Credit Union made its debut in 1952 when it was first founded by employees of Hewlett-Packard and Tektronix. Today, the credit union partners with large companies, like Hewlett-Packard, Amazon, Microsoft, and Nike. You can join as long as you work at one of its partner firms or become a member of the Computer History Museum or Financial Fitness Association.

There are 33 branches, mainly in California, Washington and Oregon, but with several locations across Colorado, Georgia, Idaho, Massachusetts and Texas. As a member, you can enjoy in-person service at more than 5,600 Co-op Shared Branch locations in the U.S.and access your money at over 30,000 free ATMs.

It offers a long list of financial products, like checking accounts, savings accounts, credit cards, loans and investment accounts. Most of these offerings come with low minimum opening balance requirements and no monthly maintenance fees. First Tech Federal Credit Union is unique in that there are many business banking services that are rarely seen at other credit unions.

9. Bethpage Credit Union

While it is located in New York, Bethpage Credit Union opens its membership to anyone who makes a $5 payment, regardless of where they live. The credit union partners with hundreds of other credit unions to offer access to more than 5,000 branches and over 30,000 fee free ATMs. Virtual visits by phone and video appointment are also available.

Bethpage’s product lineup includes three checking accounts, four savings accounts, share certificates, and money market accounts. Believe it or not, even the free checking accounts pay interest. In addition to deposit accounts, the credit union provides mortgages, home equity lines of credit (HELOCs), car loans, auto refinancing, personal loans, retirement planning, health savings accounts, IRAs, and insurance.

You can access your accounts on the go with the handy mobile app, which includes convenient features, such as budgeting tools, online bill pay, and budgeting tools. Bethpage also offers access to a digital wallet and Zelle money transfers.

10. Latino Community Credit Union

Headquartered in North Carolina, Latino Community Credit Union has 15 branches in the state as well as 1,300 free ATMs through the CashPoints network. While it was originally built for the Latino community, you don’t have to be Hispanic or live in North Carolina to join. All you have to do is submit an application and pay a $10 membership fee.

Latino Community Credit Union is federally insured by the National Credit Union Administration (NCUA) and offers 24/7 customer service via phone. Compared to brick-and-mortar banks, it provides competitive interest rates and accounts with low minimum opening balance requirements.

If you’re part of the Hispanic community, you may also benefit from services in both Spanish and English as well as a financial literacy education program that’s focused on low-income Latino families and immigrants.

11. Boeing Employees’ Credit Union

If you’re a Boeing employee or live or work in Washington, Boeing Employees’ Credit Union can be a good fit. Just keep in mind that you’ll be required to open the Member Advantage Savings account, Member Share Savings account or Early Saver account.

You can enjoy nationwide access to more than 30,000 free ATMs, discounts on local events, such as sporting games and fairs and impressive rates on CDs, money markets and IRAs. Plus, there are no monthly service fees or minimum balance requirements.

Other noteworthy perks include free credit score monitoring, Zelle payments, online bill pay, and budgeting tools. You can find more than 50 physical branches in Washington as well as one location in North Charleston, South Carolina, for in-person banking.

12. Blue Federal Credit Union

Blue Federal Credit Union began as Warren Federal Credit Union and has been in business for more than 70 years. It offers more products than most credit unions, including checking accounts, savings accounts, credit cards, home loans, personal loans, and investment banking. This is great news if you’d like the diverse offerings that are widely seen at banks at lower price points.

In addition to a vast selection of financial products, Blue Federal Credit Union provides rates as high as 2x to 5x higher than the national average and access to thousands of partner credit unions across the nation. Thanks to the tiered membership rewards program, you can earn great rewards.

To join, donate to the Blue Foundation and open a Blue FCU Membership Share Savings account. Once you’re a member, you can bank online, visit branches in Colorado or Wyoming, or go to shared branches across the U.S.

13.  Wings Financial Credit Union

Wings Financial Credit Union is worth exploring, even if you don’t work in the aviation industry. It has more than 26 branches in Minnesota, Michigan, Florida, Georgia, and Washington. Not only is it NCUA insured, it’s part of the Allpoint, CO-Op, and MoneyPass ATM networks that offer access to more than 80,000 free ATMs.

To become a member, you should live in work in an eligible location, work in the aviation industry, or make a $5 donation to Wings Financial Foundation, a non-profit organization that offers financial education programs and college scholarships.

The credit union pays high interest rates on many of its accounts and doesn’t charge monthly service fees. Depending on your goals, you can open the Wings Financial High-Yield Savings Account, Wings Financial Credit Union High-Yield Checking Account, Wings Financial Investment Money Market Account.

14. NASA Federal Credit Union

NASA Federal Credit Union dates back to 1949 when it first launched to serve NASA employees. Over time, the credit union has expanded and has more than 140,000 members to date. You can join even if you’re not affiliated with NASA as long as you become a member of the National Space Society.

Popular product offerings at NASA Federal Credit Union include the Premier Checking, Premier eChecking, Premier Preferred Checking, Shared and Special Savings account or Education Savings Account.

We can’t forget the Star Trek credit cards which offer 2x points for gas station purchases, and 3x points for purchases at StarTrek.com. Furthermore, if you spend $3,000 in the first 90 days, you get a bonus of 30,000 points. You may redeem your points for merchandise, gift cards, and more.

Credit Unions vs. Banks

If you’re used to banks or unfamiliar with credit unions, you might wonder how credit unions and banks compare. The truth is both types of financial institutions offers similar products, but there are several differences between them, including:

Financial Products

In general, banks offer more financial products and services than credit unions, especially large banks with a national presence. Credit unions primarily focus on checking accounts, savings accounts, and credit accounts. While loans and investment products are less common, they can still be found at some credit unions.

Rates and Fees

Banks tend to charge higher rates and fees than credit unions. However, online banks are usually more affordable and comparable to credit unions as they have lower overhead costs. It’s a good idea to shop around so you can compare rates and fees at a variety of financial institutions and hone in on the best option.

Technology

Credit unions typically are less technologically advanced than banks. The good news is more and more credit unions, especially those with a nationwide presence, are improving their technical offerings. Many of them offer mobile apps, online bill pay, and other advanced banking tools that were unheard of in the past.

Bottom Line

With this list of the best credit unions nationwide, you’re sure to find a credit union or two that checks all your boxes. Whether you’re new to credit unions or have used them for a while, these types of financial institutions can help you meet (or even exceed) your personal finance goals.

Credit Union FAQs

What is the difference between a bank and a credit union?

While a credit union is a member-owned, non-profit institution, a bank is a for-profit financial institution that is owned by shareholders or individuals. Credit unions are known for more personal service and flexibility. Whether you use a bank or credit union depends on your unique goals and priorities.

Do I have to join a credit union?

All credit unions may have certain membership requirements. Fortunately, many are lenient and let you join if you make a donation or pay a fee. Some credit unions will pay for you once you make a deposit into an account. Of course, some credit unions limit membership to people in certain geographical locations or professions.

Do credit unions have ATMs?

Yes! In many cases, credit unions partner with a large network of ATMs. This makes it easy for you to access your money regardless of where you are.

Are credit unions insured?

Reputable credit unions are insured by the National Credit Union Administration or NCUA, which is similar to the Federal Deposit Insurance Corporation or Federal Deposit Insurance Corp of traditional banks. This means if the credit union fails because of bankruptcy, for example, you’ll get your money back.

Are credit unions online?

While credit unions have a reputation for in-person branches with individualized service, online credit unions do exist. Several examples include Alliant Credit Union, Connexus Credit Union, and Quorum Federal Credit Union. If you like the idea of online banking, an online credit union might make sense.

What is the best nationwide credit union?

Not all nationwide credit unions are created equal. In fact, there are many options available with various pros and cons. To pinpoint the ideal online or local credit union for you, explore the institutions on this list and consider your priorities. Remember, you can join multiple credit unions if you’d like.

Source: crediful.com

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Apache is functioning normally

May 30, 2023 by Brett Tams

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Apache is functioning normally

May 29, 2023 by Brett Tams

A credit union is a nonprofit institution that’s owned by its members. Compared to a traditional bank, a credit union tends to offer more personalized service.

You can turn to a credit union for a variety of financial products, like checking and savings accounts, credit cards, car loans, and mortgages. Some regional and federal credit unions also offer wealth management services and other extras.

woman on laptop

A typical credit union only accepts members who live in a specific region or work for an eligible employer. For example, they may require that you’re a resident of Atlanta, Georgia or work as a teacher.

The good news is some credit unions require less and make it easy for just about anyone to join. If you’d like to join a credit union but don’t want to worry about the strict membership requirements at most institutions, you’ve come to the right place.

38 Best Credit Unions Anyone Can Join

There are hundreds of credit unions that anyone can join, but we’ve done the heavy lifting and found the best ones for you. The credit unions below, which are overseen by the National Credit Union Administration (NCUA) may be an option for you, regardless of what you do for a living or where you’re located.

Just keep in mind that you may have to make a donation, join an organization, live in a certain state, or meet some other eligibility requirement. We encourage you to explore this lengthy to list of credit unions anyone can join so you can hone in on the ideal credit union for your unique situation.

1. Alliant Credit Union

Alliant Credit Union made its debut in 1935 to serve the employees of United Airlines. It stands out for it high-interest savings and checking accounts with low minimum opening deposits as well as excellent customer service.

You’ll also receive access to more than 80,000 free ATMs across the U.S. and get reimbursed up to $20 in out-of-network ATM charges per month. Since it only has two brick-and-mortar locations, you should feel comfortable with online banking. If you’d like to join Alliant Credit Union, make a $5 donation to Foster Care to Success.

2. Connexus Credit Union

Connexus Credit Union was founded in 1935 and has a widespread presence in Wisconsin as well as more than 54,000 ATMs across the country. It couldn’t be easier to join the credit union as all you have to do is pay a one-time $5 fee to the Connexus Association, which supports financial education through college scholarships.

As a member, you can open one of its three checking options with high APYs and a traditional savings account or one that’s specifically designed for the holidays.

3. Pentagon Federal Credit Union

Pentagon Federal Credit Union, or PenFed, was founded in 1935 as a credit union for military and civilian government. Today, this Virginia-based credit union has opened it doors to anyone as long as they open a savings account and deposit a minimum of $5. It offers two savings accounts, including the Regular Savings and Premium Online Savings.

In addition, you can find checking accounts, CDs, and money market accounts. Other products include Coverdell Education Savings Certificates, IRAs, credit cards, mortgages, home equity loans, and student loans. Plus, you can enjoy modern perks like mobile check deposits, online bill pay, and instant transfers.

4. First Tech Federal Credit Union

First Tech Federal Credit Union is headquartered in California. The credit union offers many benefits, such as excellent customer service, many branches throughout the U.S. and Puerto Rico, online banking, and mobile banking.

It also has the Dividend Rewards Checking Account, which gives you 1.00% APY on balances below $1,000. You don’t have to live in California to join as long as you donate to a nonprofit called the Financial Fitness Association.

5. Consumers Credit Union

Consumers Credit Union was established in 1951 as a local credit union. Based in Illinois, it’s one of the largest credit unions in the state with over 100,000 members and more than $1.2 billion in assets.

You can join it, even if you don’t live in Illinois. All you have to do is donate the $5 membership free to an affiliated nonprofit. You can open almost all of its accounts online, except for the checking accounts and IRAs. The credit union also offers a high-yield checking account that offers high interest if you meet certain criteria.

6. Langley Federal Credit Union

Langley Federal Credit Union is based in Virginia and made its inception in 1936. At that time, members of the National Advisory Committee for Aeronautics, the predecessor to NASA, chartered the credit union.

Today, Langley offers membership to anyone who pays a fee to support an important cause in Virginia and deposits at least $5 into a savings account. You can choose from a checking account without a monthly fee, a variety of no-fee savings accounts with competitive interest compounds monthly, and Visa Cards with cash back rewards.

7. Lake Michigan Credit Union

Lake Michigan Credit Union made its debut in 1933 by a group of teachers. Headquartered in Grand Rapids, Michigan, it has 51 branches in Michigan and southwest Florida. Since it’s part of the Allpoint ATM network, members can enjoy free access to more than 55,000 free ATM.

To join, donate $5 to the ALS Foundation and deposit $5 into a Member Savings account. Once you do, you can earn perks through the MORE rewards program and redeem them for complimentary checks and free out-of-network ATM transactions.

You may also open the free, no frills Max Checking account. Note that the Member Savings account, which you must open to become a member, requires a minimum daily balance of $300 or you’ll be charged a $5 monthly fee.

8. Lafayette Federal Credit Union

Lafayette Federal Credit Union was founded in 1935 as an alternative to traditional banks. It offers numerous perks, like no minimum balance requirement or monthly maintenance fees, online banking, mobile deposits, free direct deposit, and special discounts.

You can join it if you live, work, worship, or attend school in Washington D.C. If you live outside the D.C. area, you may still become a member as long as you invest in a lifetime Home Ownership Financial Literacy Council (HOFLC) membership for only $10. This nonprofit focuses on helping consumers navigate the path to homeownership.

9. Affinity Plus Federal Credit Union

Affinity Plus Federal Credit Union has 26 branch locations across Minnesota. APFCU offers MyPlus Rewards that gives you points if you keep a certain amount of money in your bank account or use its debit or credit card.

To be eligible to join, all you have to do is donate $25 to the Affinity Plus Foundation and open a basic savings account. If you live and work in Minnesota or have a family member in the state, there are other ways to become a member.

10. Chevron Credit Union

Chevron Credit Union has been around since 1935 and has 19 branches that span six states, including California, Louisiana, Mississippi, Texas, Utah and Virginia. It operates under two brands: Chevron Federal Credit Union and Spectrum Credit Union.

To become a member, join one of its nonprofit partner organizations, such as the Contra Costa County Historical Society. You’ll also need to deposit $25 into a primary savings account and maintain a $25 minimum balance.

Chevron also offers a second chance checking account called New Solutions for those who need help rebuilding their banking history.

11. Ascend Credit Union

Since its inception in 1951, Ascend Credit Union has offered a variety of products, like checking and savings accounts, a money market account, Christmas Club account, youth accounts, credit cards, and loans.

If you’re interested in these services, join The Nature Conservancy, Tennessee Chapter and you’ll be eligible automatically. Note that there is a one-time fee of $25.

12. Hope Credit Union

Hope Credit Union is a black-owned credit union that was organized in 1995 by the Anderson United Methodist Church in Mississippi. You can join if you pay a $10 membership fee and show a foreign passport, permanent resident card, or Matricula Consular. Plus, you may use an ITIN number instead of a Social Security number.

Hope Credit Union provides a number of personal bank accounts, business banking accounts, and transformational deposits. With its transformational deposits, you can participate in socially responsible investing.

13. Boeing Employees Credit Union

Boeing Employees Credit Union, or BECU, was established in 1935 for Boeing employees and currently caters to more than 1 million members. But despite its name, you don’t have to work at Boeing to join.

Its products and services are available to you if you become a member or donor to the KEXP, which is a nonprofit art organization or the Sea Hawkers Central Council. The most noteworthy benefit of joining is the first-time homebuyer grant in which you can receive $7,500 toward your down payment and closing costs.

14. Hiway Credit Union

Hiway Credit Union made its debut in 1931 to serve employees of the Minnesota Department of Transportation. It offers a free checking account with no monthly fee or minimum balance requirements, a free money market account with a $500 minimum deposit, credit cards, and loans.

You can qualify for a Hiway Federal Credit Union membership if you donate to the Minnesota Recreation and Park Foundation for $10 per year or the Association of the U.S. Army, which costs $40 for two years.

15. GreenState Credit Union

GreenState Credit Union was founded in 1938. It provides its members with personal accounts, business accounts, credit cards, loans insurance, wealth management services, and more.

GreenState was named one of the fastest growing credit unions in 2021. As long as you live or work in the state of Iowa, you can become a member and take advantage of its services without any issues.

16. Cascade Credit Union

Cascade Credit Union made its debut in 1952 to serve employees of the Cascade Division of the Great Northern Railway. Today, it’s open to many people and offers great perks like members-only sweepstakes, competitive rates, online banking tools, financial counseling, and group insurance benefits.

If you’d like to join, simply become a member of the Great Northern & Cascade Railway Association (GNCR) and pay an annual membership cost of $40. The credit union can help you fill out your application online or in-person at a local branch.

17. Wildfire Credit Union

Wildfire Credit Union began in 1937 as Saginaw Telephone Employees Credit Union, its original credit union name. Its first location was in the basement of the home of Hank Kosk, the credit union’s treasurer.

After some office upgrades, the credit union opened the doors to its current location on Bay Road in Saginaw and merged with Flint Telephone Employees Credit Union that same year. Today, Wildfire Credit Union offers several deposit accounts as well as personal banking and business banking services. You can join if you live, work, worship, or attend school in Michigan.

18. Nextmark Credit Union

Nextmark Credit Union made its debut in 1958. Its offerings include personal and business checking, home equity loans, personal loans, credit cards, gift cards, and more.

To join, you must live in a qualifying county in Virginia or make a donation to Herndon Elementary PTA, a Title I school.

19. Technology Credit Union

Technology Credit Union, or Tech CU, was established in 1960. It’s based in Silicon Valley and provides its members with no shortage of benefits. These include competitive rates, online banking, access to fee-free ATMs, free credit score monitoring, conference room space, and easy online appointment booking. To become a member, join Financial Fitness Association for only $8.

20. Veridian Credit Union

Veridian Credit Union was established in 1934. Most of its members are those who live or work in Iowa or certain counties of Nebraska. However, it’s open to anyone who is a registered user of Dwolla, a financial technology company. This means you can join as long as you sign up for a personal account at Dwolla.

You’ll also need to open a savings account and deposit at least $5. If you’re already a member of a credit union or bank but would like to switch to Veridian Credit Union, the switch kit may be helpful.

21. Harborstone Credit Union

Harborstone Credit Union’s roots date back to 1955, when it was known as McChord Federal Credit Union and served airmen on the McChord Air Force Base. In 1996, the credit union expanded its membership to anyone in the state of Washington and changed its name as a result.

As long as you live, work, or worship in Washington, you may join Harborstone Credit Union and enjoy a variety of financial products and digital tools.

22. NASA Federal Credit Union

NASA Federal Credit Union began in 1949 to serve NASA employees. Since then, it’s grown to more than 177,000 members. While the credit union is headquartered in Upper Marlboro, Massachusetts, there are 12 branches in Maryland, Virginia, and Washington, DC.

Its product lineup includes a simple checking account with no minimum opening deposit, a savings account with a great rate, and several CDs. You can also monitor your credit score and make deposits with the mobile app. If you don’t work for NASA, you can still join. Simply sign up for a one-year membership at the National Space Society (NSS).

Hanscom Federal Credit Union opened in 1953. The credit union has over 20 branches in and around Boston as well as one in McLean, Virginia.  It offers fee-free checking accounts, savings accounts with rewards, credit cards, and loans.

To join, you’ll need to support one of its partner organizations, such as the Burlington Players, a volunteer theater group. In addition, you’ll be required to deposit $25 into a free primary savings account.

24. Pen Air Federal Credit Union

Pen Air Federal Credit Union was founded in 1936 to support civil service employees of Naval Air Station Pensacola. It has 16 locations in northwest Florida and southeast Alabama. You may be surprised to learn that you don’t have to be an active duty or retired military member to join.

You’ll be able to take advantage of Pen Air Federal Credit Union if you become a member of the Friends of the Navy-Marine Corps Relief Society and deposit a minimum of $25 into a savings account. As a member, you can enjoy the Pen Air Platinum Mastercard, Share Savings account with the Round It program, and more.

25. State Department Federal Credit Union

State Department Federal Credit Union was founded in 1935. To join, you can become a member of the American Consumer Council for $8. This is a non-profit organization with a focus on consumer education and financial literacy.

The State Department Credit Union offers a long list of products and services, including basic, advantage, and privilege checking, a money market account, share certificate accounts, individual retirement accounts (IRAs), credit cards, and loans.

26. United Nations Federal Credit Union

United Nations Credit Union made its debut in 1947. As long as you join the United Nations Association of the United States of America, you can become a member.

UNFCU has a vast product lineup that includes a checking account, membership savings account, credit cards, debit cards, and loans, like car loans and debt consolidation loans.

Other membership perks include loyalty rewards, credit card rewards, and the member referral program.

27. Premier Members Credit Union

Premier Members Credit Union was established in 1959 for members of the Boulder Valley School District. You’re eligible to join if you make a donation to Impact on Education, a charity in the Boulder Valley School District, and open an online savings account or youth savings account.

As a member, you can expect perks, such as high interest rates on checking accounts, no monthly service fee, no overdraft fees, and free overdraft protection. The credit union also offers an extensive network of branches and ATMs for your convenience.

28. SRI Federal Credit Union

SRI Federal Credit Union is headquartered in Menlo Park, California. It was founded in 1957 and offers membership to anyone who joins the Financial Fitness Association for $8 per year.

The credit union’s account offerings include a checking and savings account, money market account, IRA, health savings account, and youth, teen, and gradate accounts.

29. United States Senate Federal Credit Union

United States Senate Federal Credit Union has been around since 1935. Its mission is to “improve the financial wellness of members throughout all stages and circumstances of life.” Its products are similar to what most credit unions offer.

As a member, you can enjoy access to a number of checking and credit union savings accounts, mortgage loans, personal loans, auto loans, Visa debit cards, and business advisory services. To join, you’ll need to become a member of the U.S. Capitol Historical Society for $65.

30. Wings Financial Credit Union

Wings Financial Credit Union was founded in 1938 by seven employees from Northwest Airlines. To date, it serves more than 320,000 members with more than $7.5 billion in assets. You can join if you donate $5 to the Wings Financial Foundation, even if you don’t work in the aviation industry.

There are no fees on its basic banking accounts, including its checking and savings accounts, a money market account, and CDs. Its high yield savings and checking accounts offer competitive rates to help you grow your money.

31. Skyward Credit Union

Skyward Credit Union was chartered in 1941. It offers a share savings account with competitive rates, an aim higher checking account with no monthly fees or minimum balance requirements, affordable mortgage and home equity loans.

It also offers online banking, a variety of insurance products, and access to over 30,000 surcharge-free ATMs. Like most credit unions require membership, so does this one. To become a member, join the Kansas Aviation Museum.

32. San Diego County Credit Union

San Diego County Credit Union has been around since 1938 and has over 430,000 credit union members. It’s considered the largest locally owned financial intuition in San Diego.

As a member, you can enjoy a free checking account, secured and unsecured credit cards, a wide range of account options with no service fees, and access to over 30,000 ATMs without ATM fees. To join San Diego County Credit Union, become a member of the Financial Fitness Association.

33. Bellco Credit Union

Bellco Credit Union is a Denver-based credit union that opened its doors in 1936. You can join it even if you don’t live in Colorado as long as you donate at least $10 to the Bellco Foundation, pay a one-time $5 membership fee, and deposit at least $25 in a savings account.

Once you do, you’ll have access to several noteworthy products, like the Boost Interest Checking account, which offers a competitive interest rate, the Premier Money Market Account, and two, no-fee credit cards.

34. Bethpage Federal Credit Union

Bethpage Federal Credit Union was founded in 1941 and currently has over 30 branches across Long Island and New York City. It has a reputation for competitive rates on it money market accounts and certificates of deposit (CDs).

The credit union also offers three checking accounts, a few savings accounts, retirement planning services, IRAs, insurance, and more. You don’t have to live in New York to join if you open a $5 savings account. As a member, you may meet with credit union staff virtually and bank on the go with a handy mobile app.

35. First South Financial Credit Union

First South Financial Credit Union opened its doors in 1957 to serve those on the Millington base. Since then, it has become of the safest financial institutions in the U.S., as stated by independent rating agencies. While the credit union has locations throughout Tennessee and Mississippi, its online banking services make it a suitable option if you live elsewhere.

Like other credit unions, it offers a full suite of checking, savings, CDs, and IRA accounts. To join, become a member of the Courage Thru Cancer Association, which supports St. Jude Children’s Research Hospital.

36. Dow Credit Union

Dow Credit Union was founded in 1937 in Midland, Michigan. It provides numerous products, including checking and savings accounts, certificates of deposit (CDs), HSAs, deposit trust accounts, and loans.

Fortunately, you don’t have to work at Dow Chemical to take advantage of them. To join, make a $10 donation to the Dow Chemical Employees’ Credit Union Endowed Scholarship Fund.

37. Blue Federal Credit Union

Blue Federal Credit Union was chartered in 1951 as Warren Federal Credit Union. If you’re looking for a high-yield checking account, you’ll appreciate its Blue Extreme Checking Account with no minimum opening deposit or monthly service fees.

Other perks include a tiered membership rewards program and round-the-clock customer service. The easiest way to become a member is to donate $5 to the Blue Foundation and open a Membership Share Savings Account with $5.

38. Digital Federal Credit Union

Digital Federal Credit Union (DCU), based in Marlborough, Massachusetts, was established in 1979. Today, it is known for its comprehensive range of financial products that includes checking and savings accounts, auto loans, mortgages, personal loans, credit cards, and wealth management services.

Perhaps one of DCU’s standout features is its commitment to digital banking, offering robust online and mobile platforms that compete with larger, nationwide banks. This makes DCU a fitting choice for those who prefer online banking, no matter where they live.

Membership is open to those who are a part of participating organizations or live, work, worship, or attend school in eligible communities. If you don’t fit those criteria, you can still join by becoming a member of a participating nonprofit organization, such as Reach Out for Schools, which requires a nominal donation.

See also: Best Nationwide Credit Unions of 2023

Bottom Line

Not all credit unions are created equal. Some have strict membership criteria, while others are more flexible. Before you join a credit union (or several credit unions) on this list, be sure to consider numerous factors.

You’ll want to look at eligibility requirements, branch location, monthly maintenance fees, accounts offered, interest rates, mobile banking, digital banking, reputation, and customer service. Best of luck as you explore the best credit unions and search for the perfect credit union.

Frequently Asked Questions

Can civilians join Navy Federal Credit Union?

Yes, civilians can join the Navy Federal Credit Union (NFCU), the largest credit union in the U.S. However, this is limited to immediate family members of service members in all branches of the armed forces. This broad eligibility criteria is one of the reasons why NFCU has grown to be the largest credit union in the country.

Can anyone join American Airlines Credit Union?

No, not anyone can join the American Airlines Credit Union. Membership is limited to those who work in the air transportation industry, including airlines, airports, and related businesses, as well as their family members. While this broadens the scope beyond just American Airlines employees, it still doesn’t include everyone.

Source: crediful.com

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Apache is functioning normally

May 29, 2023 by Brett Tams

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Calling all Civil War buffs and travel bucket-listers: If you’ve ever wanted to explore the war between the North and the South in great detail or check a bunch of states off your list in one trip, American Cruise Lines has a cruise for you. It’s a monthlong sailing to nearly all the major battlefields across 12 states and the District of Columbia.

For more cruise guides, news and tips, sign up for TPG’s cruise newsletter.

On May 4, 2024, passengers will set sail from New Orleans on the line’s Civil War Battlefields Cruise, a 34-day sailing that winds along the Mississippi, Tennessee and Potomac rivers; the Intracoastal Waterway; and the Chesapeake Bay.

Along the way, the itinerary includes calls on destinations in Mississippi, Tennessee, Kentucky, Alabama, Georgia, Florida, South Carolina, North Carolina, Virginia, Maryland and Washington, D.C., before ending on June 6, 2024, in Gettysburg, Pennsylvania. Stops offer a chance to visit key locations such as Fort Sumter, Antietam National Battlefield and Bull Run.

The itinerary for American Cruise Lines’ 34-day Civil War cruise. AMERICAN CRUISE LINES

Cruisers will begin their journey on American Melody and transfer to two other ships — American Symphony and American Eagle — throughout the trip, allowing them to access additional locations that were key to the war. Transportation between ships and waterways is provided for free.

The onboard experience on each ship will be equally themed, featuring expert speakers who will discuss both sides of the war. Led by Bertram Hayes-Davis, the great-great-grandson of Jefferson Davis, who served as the president of the Confederacy, the sailing will offer a rare perspective.

“This cruise is one of the most wholistic views of the Civil War ever offered,” Hayes-Davis said in a statement from American Cruise Lines. “Guests will experience the people, places and events of the war as they visit the battlefields and stand where history was made. This is a unique opportunity to see the entire scope of the battles of the Civil War and put them in context to each other and the entire conflict.”

The voyage is currently open for booking, with fares starting from $24,700 per person. Prices include accommodations, onboard entertainment and lectures, all meals, beer and wine with lunch and dinner, a daily cocktail hour, Wi-Fi, daily shore excursions, a one-night pre-cruise hotel stay (stretching the trip to 35 days), transportation and any necessary hotels when transferring to other ships, crew gratuities, and taxes and fees.

Planning a cruise? Start with these stories:

Source: thepointsguy.com

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