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Wall St. Journal: "Fire your banker," CUs among options

NEW YORK (8/24/10)--Consumers looking for ways to make their money work better for them should fire their bankers and look to credit unions and other local institutions, according to an article in The Wall Street Journal Sunday.

In "Ten Money Moves That Will Always Pay Off," author Brett Arends wrote that credit unions will do more for less.

"Fire your banker," Arends writes for Money Move No. 5. "This isn't just good financial sense--it's fun, too. If you're like most people, you're probably paying hundreds of dollars a year in account service fees, ATM charges for access to your own money and the like.

"Banks need to sock you with these fees to pay for all their overpriced and useless overhead, like the expensive marketing campaigns and the executives,' he added. "Fire them all. Chances are you have a local community bank, savings and loan, or credit union that will do the job of looking after your cash for a lot less. It's Uncle Sam, not the institution, that guarantees your money anyway."

DuTrac Offers Flood Assistance 

7/28/2010 Dubuque, IA - In response to the devastating floods in our area, DuTrac Community Credit Union is offering a personal Water Damage Loan Program to members effective immediately through September 30. Details of this low-interest personal loan are as follows: 

  • Interest rate: 7 percent APR*
  • Term: up to 36 months
  • Loan amounts: Up to $10,000 

Water Damage Loans are designed to help DuTrac members make necessary repairs to their homes or property due to water damage not covered by current homeowner insurance coverage.  Loans will be made for the difference in the estimated cost to repair the damage and any eligible insurance settlement.  Maximum loan amount for this difference is $10,000.  Members will need to bring in a copy of the repair estimate as well as a copy of the insurance settlement or copy of insurance policy stating they do not carry flood insurance coverage.  Checks will be made directly to the repair company wherever possible.  

Lower rate options may be available to those members who apply for a DuTrac home equity line of credit or for those members having an unused limit on their existing DuTrac Community Credit Union home equity line of credit. Members should discuss their specific financial options with one of DuTrac’s highly qualified financial services consultants by calling 800-475-1331 or by visiting any of DuTrac’s ten convenient office locations. 

DuTrac Partners with Kwik Stop to Assist Flood Victims

7/28/2010 - Dubuque, IA - DuTrac Community Credit Union presented a check for $500 to the Trucks of Love program sponsored jointly by Rainbow Oil, the parent company of the Kwik Stop convenience stores, Cumulus Radio, Queen B Radio and Radio Dubuque to assist area residents impacted by recent flooding in and along the Maquoketa River. 

“After a site review of the Lake Delhi area and after conversations with local, regional and state relief organizations there is an incredible, broad-scale need for relief supplies to those affected by recent flooding. Relief organizations are stating they simply don’t have the resources to respond to the growing flood damage need,” states Jason Norton, Senior Vice President at DuTrac. “Therefore DuTrac wanted to be first out of the door to help provide a cash donation and challenge other area residents and businesses to donate to those in need.” 

Residents and businesses are encouraged to take household supplies, cleaning products, diapers and other much needed supplies to any Kwik Stop location where semi tractor trailers – Trucks of Love - are on hand, along with volunteers to accept in-kind and cash donations at the following Kwik Stop locations: 

  • 2255 Kerper Blvd, Dubuque, IA  •  2335 University Ave, Dubuque, IA  •  2150 Twin Valley Drive, Dubuque, IA  •  2390 Central Ave, Dubuque, IA  •  2320 HWY 61, Dubuque, IA  •  4039 Pennsylvania Ave, Dubuque, IA • 740 18th Ave SW, Dyersville, IA  •  110 E Jefferson St, Delaware, IA  •  504 3rd St., Delhi, IA 

DuTrac is offering its members impacted by flooding a Water Damage Loan Program, a personal loan offered at a reduced rate. Members are asked to contact DuTrac Community to ask how they may qualify for this program.

FDIC Fraudulent E-mail Notice

Iowa Corporate Central Credit Union was notified on July 6 of a fraudulent e-mail circulating from the Federal Deposit Insurance Corporaton (FDIC).

The subject line of the e-mails state: "you need to check your Bank Deposit Insurance Coverage."

To read the full notice, click here.

Bloggers Touting Credit Unions

MADISON, Wis. (7/1/10)--Bloggers for U.S. News and World Report and Time magazine, as well as a CNNMoney.com item and a segment on a 24-hour news channel in New York, all posted articles extolling the virtues of credit unions Tuesday.

The four media hits include:

Alpha Consumer, the U.S. News and World Report money blog. Blogger Kimberly Palmer noted her bank is ending its free checking accounts and suggested consumers shop around for the best options on fees. She quoted Bargaineering.com, which said that "consumers might also want to take a closer look at credit unions" for lower fees. The story pointed readers to websites to locate a credit union, including findacreditunion and the Credit Union National Association (CUNA) website. The article also appeared on Yahoo! Finance.

Time's money blogger, Brad Tuttle, who wrote that overdraft fee restrictions and tightened credit card regulations have prompted banks to start charging more fees. "But consumers shouldn't roll over and give up on free checking just yet," he said, noting "plenty of resources" to assist in switching to financial institutions that still offer free checking. He referred to a recent Los Angeles Times article, "Dumping your Bank? How to find a new one," which made the case for doing business with credit unions.

CNNMoney.com article Wednesday on "Spending smart when the euro is cheap." Consumers traveling on the continent and wanting to save on credit card fees can avoid paying transaction fees with a low-fee card. "Credit unions and niche banks often levy lower fees..." said the author, Veronica Crews.

NY1.com, New York City's 24-hour newschannel on the Web, which featured "Credit Unions Offer Intimate Alternative to Big Banks." Writer Shazia Khan said that "for some, a credit union beats out a bank as the right solution for one's financial needs." The segment discussed the benefits of membership and noted credit unions' low or no minimum checking and savings accounts. "While it is always good to compare fees and interest rates, they tend to be more agreeable at credit unions," said the article.

Consider a Credit Union to Avoid Checking Account Fees

NEW YORK (6/30/10)--Consumers worried about new checking account fees can take several steps to avoid them. One step: consider opening an account at a credit union. So says USA Today columnist Sandra Block in her Your Money column.

Entitled "How to steer clear of checking account fees on the horizon," the article notes that it has been years since consumers have had to worry about checking account fees. Most financial institutions offered free checking that was subsidized by overdraft coverage fees and revenues from interchange fees paid by retailers for their customers' use of debit cards.

But with overdraft and interchange regulations on the horizon, "this means banks are looking elsewhere for revenue," said Block. She noted recent disclosures by Wells Fargo and TCF Financial of plans to start charging fees for customers under the minimum balance required.

In telling consumers to consider credit unions, Block cites a Bankrate.com survey that found 39 of the 50 largest credit unions offer free checking. Only three require a minimum balance to avoid a checking fee.

To read the full article, click here.

 

New York Times: It's Smart to Join a Credit Union

NEW YORK (6/22/10)--It's smart for consumers to join a credit union, The New York Times said Friday.

In an article titled "Credit Unions Are Beckoning with Open Arms," columnist Ron Lieber wrote that credit unions provide good value on financial services.

"Today, credit unions often (but not always) offer lower interest rates on credit cards and better deals on auto and other loans than most banks ..." Lieber wrote.

"One way to become a member is through occupational classification, where credit union members work for the same employer or perform the same job," he added. "The second is a community credit union, where members must live in the same 'well-defined' region."

Lieber noted that in the early 1980s, members of associations were permitted to join credit unions as an element in a push to include populations that banks were not reaching.

"The idea was to get credit union service to people who wanted it from people who wanted to give it to them," said Wendell A. "Bucky" Sebastian, who worked for the federal credit union industry regulatory body at the time and now is executive director of the National Credit Union Foundation.

Now some questions and disputes abound about field of membership issues, particularly from bankers, Lieber added.

"What representatives of the American Bankers Association find particularly objectionable, though, are the big credit unions that have their own associations for what appears to be the express purpose of signing up people and then making them eligible for credit union membership," Lieber wrote.

However, Sebastian thinks bankers' arguments are hiding another issue, Lieber added.

"It's all camouflage for the fact that they don't like that there are institutions that are willing to work on a nonprofit basis," Sebastian said. "When you don't have to call Wall Street every quarter and cut rates on savings and raise fees so you can suck even more money out of customers' pockets and put it in shareholders' pockets, well, they can say anything they want. But at the end of the day, their goal is to take as much money from customers as possible and give it to stockholders."

Although Lieber said he doesn't know who is right, he sees a bottom line for the consumer.

"So many people haven't gotten the message yet, that it's worth repeating again, once more, with feeling," Lieber concludes. "Anyone can join a credit union. And until the industry regulator stops allowing many of the biggest credit unions to offer services to anyone who shows up or logs in, you'd be foolish not to check out a few the next time you need financial services."

To read the full article, click here.


AARP, Consumer Reports: Time to check out Credit Unions

NEW YORK (6/7/10)--Credit unions are the place to go if you want to move your money, AARP Magazine tells its 47 million readers in its July/August issue. The sentiments are echoed in the July issue of Consumer Reports.

In "The Little Banks That Can," AARP cites "three compelling reasons" to switch: lower fees, higher interest rates on deposits and better service. "As it turns out, you are likely to find all three at some of the smallest financial institutions in the nation: credit unions," says the two-page article.

The article references data from the Credit Union National Association (CUNA) about how much consumers save using a credit union rather than a bank. It also cites CUNA's online credit union locator at creditunion.coop and CU Infosight's findacreditunion.com.

It provides several favorable quotes and anecdotes about credit unions. "The average consumer does much better at a credit union than a bank," said Ed Mierzwinski, consumer program director at U.S. Public Interest Research Group. Curtis Arnold, founder of CardRatings.com, a credit card information website, said, "I'm a big fan [of credit unions]. Unlike a lot of banks, most credit unions don't try to cross-sell you products you don't really want."

The article also addresses the credit unions' interest in raising the member business lending cap, discusses credit unions' "can-do attitude," and suggests checking for CO-OP Network membership to access surcharge-free ATMs.

In Consumer Reports' July issue, "When to Bail on Your Bank" discusses the "Move Your Money" campaign to get consumers to switch from big banks to smaller institutions, including credit unions.

While big banks may have better online banking, "there are great deals at local banks and especially at credit unions," said the article. It cites the benefits of better card rates, higher yields on savings and low rate loans, and it links to both creditunion.coop and findacreditunion.com.

Read Consumer Reports' "When to Bail on Your Bank" article 


CNN Cites Credit Unions as Good Source for Cards

NEW YORK (6/7/2010) -- Mired in debt from your plastic habit? Maybe you can't even qualify for a credit card. More and more folks are turning to alternative credit cards.

Credit union credit cards
In a recent op-ed two Harvard doctoral students talked about a study they conducted between investor-owned banks and customer-owned credit unions.

They found that credit cards from credit unions were less likely to charge fees and penalties that big banks do. And when fees are involved, those fees are less.

Credit union cards actually offer lower annual fees and longer grace periods than regular cards.

To join a credit union, you typically need to be part of a specific group (a member of an organization, live or work within a certain geographic location, etc.). Ask your employer if there's a credit union you can sign up with. Perhaps your college alumni organization or community group belongs to a credit union.

Prepaid credit cards
If you're having trouble qualifying for a credit card, you may consider opting for a prepaid credit card. Basically, you deposit money onto this card and use it until the money runs out. There are no bills and no interest charges.

There are some things to bear in mind. First, there are a number of fees associated with prepaid cards.

You'll pay a fee when you set the card, typically around $10, according to Ben Woolsey of Creditcards.com. You may also pay a monthly fee, transaction fees and fees when you reload your card with money.

In general, you won't be building your credit. And these prepaid cards aren't covered by the federal statutes that protect credit-card holders from fraud or limit their losses when cards are lost or stolen says Curtis Arnold of Cardratings.com. Some companies will offer some fraud protection however.

These cards may be a good option for younger people who are just getting introduced to the world of revolving credit. It's a safer alternative than secured credit cards.

Secured credit cards
This type of credit card is secured by a deposit held by the issuing bank. In general, you will have to deposit $500 to $1,000 to get one of these secured cards. But if you don't have good credit, or you're looking to improve your credit, secured credit cards can be helpful.

The downside is that you have a limited credit line and you do need that security deposit. But if you make payments regularly and on-time, this could help you graduate to an unsecured credit card.

Article courtesy of CNNMoney.com



Wall Street Journal: Credit Unions More 'Wholesome Alternative' to Banks

NEW YORK (6/5/2010) --Interest rates are low and could be heading lower. Bank failures are on the rise. And credit unions couldn't be happier.

With their fatter yields and lower fees, credit unions are having little trouble attracting depositors these days. Many also are positioning themselves as a more wholesome alternative to Wall Street bailouts, bank seizures and predatory lending scandals, offering trustworthy advice and good customer service.

A few weeks ago, Samantha Johnson of Madison, Wis., left M&I Bank, where she had banked for 12 years, in favor of Summit Credit Union. Lower fees were one factor: Summit, unlike M&I, didn't charge a fee for its checking accounts if, for example, her balances fell below certain levels. Another draw, she says, was the credit union's willingness to spend time with her to set up a financial plan.

"You could never walk into a bank and have them spend so much time with you," says the 33-year-old pricing analyst at an insurance firm.

Credit unions are seeing big growth in their deposits, as their share of the total U.S. household savings climbs. Credit unions' share of the total household-savings market climbed to 10% in March, from 9.5% a year earlier, according to a Wall Street Journal analysis of data from the Federal Reserve, the National Credit Union Administration and the Treasury Department.

Some bankers say credit unions' market-share gains are a bit misleading. The American Bankers Association points out that all depository institutions have seen a flight to quality in recent years. "Deposits have not been hard to get for the banks or credit unions," says Wayne Abernathy, executive vice president for financial institutions policy.

Of course, credit unions, which have 91.5 million members, aren't for everyone. Consumers have to meet membership requirements, usually based on where they live or work. And those looking for more complicated wealth-management advice or trust services may have to look elsewhere. Credit unions focus mainly on deposit products, such as checking, savings accounts and certificates of deposit (known as "share certificates"), and consumer loans, such as mortgages and auto loans.

And credit unions haven't escaped the financial crisis entirely. Many are seeing higher loan losses, while several corporate credit unions—which provide services to retail credit unions—took big losses in mortgage-backed securities, prompting a government bailout.

"We have been collateral damage just like everyone else," says Bill Hampel, the chief economist at the Credit Union National Association, a trade group. "Even the good, old-fashioned standard conventional mortgages were severely affected by the sharp declines in home prices."

That is why it is important to check out the financial health of any institution with which you are planning to do business. The National Credit Union Administration, a regulator akin to the Federal Deposit Insurance Corp., provides detailed financial information at ncua.gov. Beyond that, there are various ratings services that grade the safety and soundness of financial institutions. Bankrate.com and BauerFinancial.com, for example, grade financial institutions.

Here are some ways to get more yield on your money or cut your interest payments:

Deposits
You can generally find higher rates on certificates of deposit, checking and savings accounts at credit unions than at traditional banks. In May, for example, the average yields on one- and five-year CDs at credit unions were 1.19% and 2.73%, respectively, compared with 0.70% and 2.12% at banks and thrifts, according to Bankrate.com.

Credit unions and some community banks are more likely to offer free checking at a time when more banks face legislation that is expected to cut into overdraft fees, a profitable source of revenue. "With regulatory changes on the horizon, that's going to be a game changer for free checking," says Greg McBride, senior financial analyst at Bankrate.com, which recently found that 39 of the 50 largest credit unions offer free checking.

Credit unions are paying high yields on so-called reward checking accounts when people make a certain number of debit-card transactions and direct deposits, and agree to get their statements online.

Credit unions also are rolling out new products aimed at younger savers. In 2009, Navy Federal Credit Union, based in Vienna, Va., launched a one-year EasyStart CD—with a 2.9% yield—that allows people to buy a CD with as little as $50.

Mortgages
Credit unions are dropping rates on loans even as they expand into new areas, such as student and small-business loans.

In general, the rates on primary mortgages are usually about the same for credit unions as for traditional banks, because the secondary market plays such a big role in mortgage rates and availability. Closing costs, however, are likely to be lower at credit unions than at banks.

Home-equity lines of credit could be a better deal at credit unions than at banks. In May, the average rate on home-equity lines of credit was 4.47% at credit unions and 5.63% at banks, according to Bankrate.com.

Cars and Credit Cards
Credit unions usually offer better deals on auto loans, too. In May, they charged an average of 5.73% on a four-year new-auto loan, versus 6.98% at their banking counterparts, according to Bankrate.com.

Credit unions also are building up their credit-card businesses. While most cards have variable rates, meaning their rates will move higher once market rates move up, some credit unions still offer fixed rates and have been launching more no-fee rewards cards.

Penalty fees also are likely to be lower at credit unions. A recent Bankrate survey found that while the cash advance and balance-transfer fees on bank-issued cards have been rising—up to 5% of the transaction in some cases—only about half of credit unions charged such fees, and in most cases the fees stayed the same, says Mr. McBride of Bankrate.

"It's not an all-or-nothing proposition. You can have a checking account at one place, a high-yield savings account someplace else, and a safe deposit box at the third," Mr. McBride says. "Sometimes it pays to be a free agent to make sure you're getting the best terms on each product."

Article courtesy of the Wall Street Journal


AOL's WalletPop: Credit Union Memberships 'Worth the Money'

MADISON, Wis. (5/27/10)--Credit unions are one of 10 memberships "worth the money" for consumers and, furthermore, could be the membership consumers "can't afford not to join," according to an article on AOL's WalletPop.com.

Because many people carry debt on their credit cards, rates charged by credit union cards are desirable [because they are lower than many major card companies], financial guru Suze Orman wrote in an article about safeguarding finances, WalletPop said.

"What I want you to do is to go to creditcardconnection.org and find a good credit union near you," Orman wrote. "Anybody can join a credit union ... [and] get a good credit union credit card.

"Do you know by law, federally chartered credit unions cannot charge you more than an 18% interest rate?" Orman added.

To read the full article and learn about other memberships that are worth the money, click here.


In Turbulent Times, Consumers Turn to Credit Unions

MADISON, Wis. (5/17/10)--More U.S. consumers are turning to credit unions amid a troubled economy that's creating mounting frustration with banks, Newsday.com said Thursday.

Credit union lending was up for several types of loans, while bank lending was down at the end of 2009, the Credit Union National Association (CUNA) told Newsday.

"And for the first time in recent years, credit union deposits grew at a faster pace than bank deposits," the publication said. "The difference was stark, too: Credit union deposits were up 10.3% last year, but bank deposits rose only 2.1%."

"We've seen a huge influx in savings in the last 18 months," Pat Keefe, CUNA vice president of communications and media outreach, told Newsday.

Where is the money coming from?

"It's coming from banks," Robert Allen, president/CEO of Farmingville, N.Y.-based Teachers FCU, one of the largest U.S. credit unions, told Newsday. Troubled banks need to re-establish their financial stability by cutting their lending and downsizing their deposits. So when customers turned away by those institutions search for a new place to conduct financial business, credit unions become more attractive, Allen added.

Meanwhile, Municipal CU in Manhattan has experienced balance transfers on the credit union's Visa cards. They've tripled to $600,000 in March from $200,000 in January, which indicates consumers are departing banks, Geraldine Light, a vice president at Municipal CU, told Newsday.

Kam Wong, Municipal president/CEO, noted that those transfers are a reaction to how banks often raise interest rates when consumers have late payments or exceed their credit limit. Credit unions generally don't implement that type of "penalty pricing," he told Newsday.


Report Shows Consumers Are Migrating to Credit Unions

SAN FRANCISCO (5/10/10) -- CBS MoneyWatch has the latest media report of customers' dissatisfaction with banks and their migration toward credit unions.

In a segment entitled, "Hate Your Bank? Dump That Sucker for a Credit Union!" MoneyWatch (April 26) asks in its online blurb for the video: "Are you sick and tired of the shenanigans? Don't want to play the games anymore? Then break up with your bank and join a credit union."

In the video, MoneyWatch's editor-at-large, Jill Schlesinger, reports, that Seth Rosenblatt, a customer at Washington Mutual Bank when it collapsed a year and a half ago, was "so outraged he gave up on banks altogether and joined a credit union."

Rosenblatt tells why he joined--he didn't want his money to be part of banks' shenanigans.

Schlesinger reports that credit unions are seeing "their fastest growth in seven years due to public dissatisfaction with big banks." She lists the benefits of joining a credit union, compares rates on new car loans (4.82% at credit unions and 6.08% at banks).

In the segment, Nate Burns of San Francisco-based Patelco CU, notes that "We pay attention to the members...they're not just a number."

Schlesinger concludes that "credit unions offer a viable alternative" for consumers who want to break up with their bank.

Click here to view the video.


Celebrate National Credit Union Youth Week

In addition to the various products and services DuTrac Community Credit Union offers to youth of all ages, we are encouraging families to "Get in the Savings Game" during National Credit Union Youth Week.

Raising Money-Savvy Kids
Struggling for economic prosperity is difficult for everyone. It’s especially hard for young people who’ve never learned how to plan to achieve financial security.

What we need today, confirmed by poor financial literacy test scores from across the country, is leadership to help raise the awareness of financial issues for young people.

America’s credit unions are shining the spotlight on how young people earn, spend, save, and manage their own money and how America's credit unions help them do so wisely during National Credit Union Youth Week, April 18-24. The celebration takes place during the Jump$tart Coalition’s Financial Literacy for Youth Month.

The staff and members of credit unions are ideally positioned to respond because of their belief in the power of education--put to practical use--to improve the lives of their neighbors and their communities.

As a parent, there are several things you can do right now to help your kids get on the right financial path:

Younger than age 5

  • Use coin savers to help children learn how to identify coins and count money.
  • Introduce the concept of money by giving children small change to spend occasionally when you go to the store. Limit options to save time and reduce conflict.

Ages 5 to 10

  • Give a weekly allowance to offer hands-on money management experience. Because children know they’ll regularly get a set amount of money, this makes it easier to learn how to save.
  • Let children save for, and buy, something they really want. Rewards reinforce young children’s savings habits, so tie saving to spending.
  • Use three containers labeled "Spend," "Save," and "Share." Suggest that children contribute a portion of their allowance and cash gifts to each to teach how to spend wisely, save regularly, and give to others.
  • When the "save" container builds up, take children to the credit union to open a savings account.
  • Provide children with opportunities to earn extra money by doing jobs not included in their regular responsibilities.

Ages 11 to 14

  • Include children on shopping trips to teach them what things cost and smart shopping techniques. Let them help compare product qualities, prices, return policies, and warranties.
  • Encourage odd jobs: babysitting, yard work, or pet care.
  • Encourage children to use their own money to buy beyond-the-basics clothing and accessories.

Ages 15 to 18 and older

  • Discuss saving plans for long-term goals, such as education and cars.
  • Consider giving teens a seasonal clothing allowance beyond their regular allowance. After setting guidelines and limits, let them make their own choices.
  • Consider helping financially responsible teens open a share draft/checking account.
  • Include teens when planning a large purchase, such as a car.
  • When your teenager begins driving, review car insurance, maintenance, and repair costs.
  • Consider encouraging financially responsible older teens to use a debit card with their share draft/checking accounts.

Join DuTrac Community Credit Union as we celebrate National Credit Union Youth Week from April 18-24, 2010. What a great time to talk to your family about spending and saving.

 


Another Customer Survey Ranks Credit Unions Above Banks

ANDOVER, Mass. (4/14/10)--Members/customers at credit unions and community banks continue to show much more satisfaction and better advocacy rates than customers of larger regional or national banks, according to a recent study.

ath Power Consulting's Ideal Banking Study 2010 indicates that 50% of credit union members surveyed are highly satisfied with their financial institution, compared to 31% at large regional or national banks and 46% at small local or regional banks.

About 61% said they were likely to recommend credit unions, compared with 51% who were likely would recommend small local or regional banks and 36% who were likely to recommend large regional or national banks.

"The largest financial institutions are trying to replicate the positive experience most customers enjoy in smaller institutions," said Frank Aloi, president of the Andover, Mass.-based banking market research firm. "Customers are most interested in strong service, personal relationships and personal advice. This is where the smaller institutions have an edge."

Consumers surveyed by ath said the most important thing they want in a banking relationship is customer service, followed by convenience, rates and fees, and trust and respect.

The survey also found that problem resolution is not being adequately addressed by most financial institutions. Only 25% of customers who experienced a problem felt it was resolved to their satisfaction. Customers whose problems were resolved satisfactorily were likely to remain satisfied with their banking relationship. More than half said those who did not receive an adequate resolution to their problems were likely to change banks.

"When customer service expectations are met or exceeded, the outcome is a substantial increase in advocacy/referrals, additional product sales and long-term loyalty," Aloi said. "This study shows that banks need to do a better job of meeting and exceeding customer expectations."

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