Credit unions offer the same essential services as banks, but generally charge fewer fees and offer higher interest rates. Credit unions require that you belong to an affiliated group in order to become a member. To find a credit union that you're eligible to join, look first to your employer. Many larger companies offer credit union membership to their employees. If you work for a smaller company or are self-employed, find out if you can join a credit union through your alumni association, religious organization, or through a relative who is a member of a credit union.

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