Banking nemari

Mabasa Akashanda Akapi

Mishandirapamwe yemabhadharo isiri-in-profit ine masangano anopa mazano emari kune nhengo dzavo. Kana iwe uchida kuchengetedza mari, kubhadhara zvikwereti, kana kutenga chikwereti, chikwereti chekweretheni ndicho chisarudzo chemasangano iwayo.

Mabhenji uye Zvikwereti Zvikwereti zvakasiyana sei

Kana iwe uchiziva mabhengi, zvikwereti zvemari zvikodanana zvakafanana: Zvinopa zvakawanda zvezvimwe zvigadzirwa nemashandisirwo semabhanki, uye ruzivo rwekushandisa masangano aya zvakafanana zvakafanana.

Ubwero ndiwo mutsauko mukuru pakati pebhangi nemanyanzvi emakwereti. Zvikwereti zvekwereti ndezvomunhu ane nhengo (vatengi pazvikwereti zvekwereti vanonzi "nhengo," saka vatengi vane chikwereti chebato). Mabhangi anowanikwa nevashambadziri, avo vangave vasiri vashandi vekwereti kana nhengo dzemunharaunda. Paunenge uzarura kambani kune chikwereti kubatanidzwa - zvisinei kuti uri muduku sei-iwe unova muganhu wepachikoro chechirongwa. Vose nhengo vane kodzero yekuvhota chikwereti chehutungamiri hwehurumende (bhodi revatungamiri).

Mutero mumwe mutsauko. Sangano risingaiti-purofiti, chikwereti chekweretheni haibhadhara mitero imwechete iyo mabanhasi aripo. Zvisinei, zvikwereti zvesimba hazvizi zvipo. Vanofanira kuita sarudzo dzakanaka dzemari, kuunganidza mari, kubhadhara mibairo, uye kukwikwidzana nedzimwe nhengo.

Kana zvasvika pakachengeteka kwemahomwe enyu uye maitiro ekutanga, mabhandi nemakambani emakero zvakafanana (ona pasi apa).

Zvinonyanya kukoshesa zvikwereti zvemari

Zvikwereti zvekodhesi zvinozivikanwa nemitezo yavo, vamwe vavo vari vakavimbika kwazvo kuvasangano ravo.

Mitengo nemari inowanzowanzo (asi kwete nguva dzose) inokwezva pamabhengi emakwereti.

Nokuti iyo sangano inhengo yevamiririri, pane zvishoma zvishoma kudzvinyirirwa kuti kuwedzere ruzivo kune vamwe kunze kwevatengesi. Izvozvo zvakati, mamwe masimba emabhadharo anoshandiswa muhuwandu uye purogiramu yekubhadhara yakafanana (kana inodhura kupfuura) mabhanga makuru, saka nguva dzose inofanira kuenzaniswa musati wasarudza sangano.

Mharaunda ndiyo tsika inokosha yezvikwereti zvekwereti. Kuti ubatane nechikwereti chekodzero, unoda kukodzera nekugoverana chisungo chairo pamwe nevamwe chikwereti chekambani. Zvakare, izvi zvinokurudzira chikwereti chakakosha uye kukwikwidzana nemari yemari nokuti iwe mose muri muchikepe chimwe chete. Zvikwereti zvekwereti zvinoitawo chikamu chinokosha mumari yepasi.

Kugoverwa branching ndebasa rakasiyana nedzimba dzekwereti. Nokuti zvikwereti zvemakambani zvinowanzova masangano emunharaunda, haugone kuwana bazi kana ATM kana uchienda kure kana kufamba (kunyange kana iwe uchienda kune rimwe guta). Zvisinei, muzviitiko zvakawanda, zvinobvira kushandisa mashizha nemaATM emamwe masangano emakwereti - pasina. Iwe unogona kuita mari uye kubvisa mari, kubhadhara zvikwereti, nezvimwe. Kuti ushandise brancc yakagovana, zvose zveimba yako chikwereti mari uye bazi raunoda kushandisa chido chekuita chikamu chema branching network.

Basa rega rega rinogona kuwanika pamakambani makuru emakero emunharaunda. Kana iwe uchikoshesa ukama hwekuvaka uye uchitaura kune vatauri vakafanana nevatungamiriri vezvikwereti, chikwereti chekambani kana bhizinza revanhu ndiyo nzvimbo yakanakisisa yekuwana chiitiko ichocho. Paunenge uine mukana wokutaura nevanoita zvisarudzo, unogona kuwana kuti zvinogona kugamuchirwa kune zvikwereti nemamwe mabasa ayo mabhanga makuru haangakupi. Hazvisi kuti zvikwereti zvekwereti hazvina maturo-zvinongova nekwanisi yekukuziva iwe uye kunzwisisa njodzi pane kungokuramba iwe.

Chii Chaunogona Kuita paCredit Union?

Zvikwereti zvekwereti zvinopa rubatsiro rwemari kune vatengi, mabhizimisi, uye mamwe masangano. Zvipo zvinowanzozivikanwa zvinorondedzerwa pano, asi zvikwereti zvese zvakasiyana.

Nhoroondo dzekuchengetedza dzinopa nzvimbo yakachengeteka kuchengetedza mari uye kubhadhara chikwereti pamari yako. Pane chikwerekoni kubatana, nhoroondo dzekuchengetedza dzinonziwo share account nokuti iwe-kufanana nevamwe vese vatengi - ndeve muridzi wega wekweretheni yemubatanidzwa. Zvimwe zvinoshandiswa kubva ku-akhawunti yekuchengetedza zvinokwana matanhatu pamwedzi .

Kuongorora maakaunti kunokubvumira kushandisa mari yako pasina mitemo yemwedzi pamitero. Pane nzira dzakawanda dzekushandisa mari yako:

1. Debit card: Zvikwereti zvekwereti zvakawanda zvinopa kadhi yebhadharo yebhadharo yekutengesa paIndaneti uye mumunhu (iwe unogona kushandisa kadhi kuti ubvise mari paATM).
2. Kubhadharwa kwemutengo wepaIndaneti: Bhadhara zvikwereti zvako zvekare kana zvimwe zvipiro nekuisa mubhadharo paIndaneti . The credit union inonyora uye inotumira cheki kana kutumira mari pakombiyuta.
3. Nyora cheki: Cheki dzinogona kuva dzakasakara, asi dzichiri nzira inobatsira uye isingadhuri kubhadhara .

1. Bhadhara mari: Unogona kugara uchiwana mari kubva kumudzidzisi kana ATM uye uchishandisa mari yepapepa.

Zvitatimiti zvepaiti (CDs) zvakafanana nekodzero dzekuchengetedza mabhuku akawanda. CD dzinobhadhara kupfuura kudarika nguva dzose , asi pane kubata: iwe unoda kuzvipira kusiya mari yako muCD pane imwe nguva yakatarwa (kazhinji kusvika pamakore matatu). Kana iwe uchida kushandura mafungiro, mamwe masangano anobhadhara mari yemarikiti , iyo inobhadhara mari inofanana nayo uye inokubvumira kuwana mari yako mumwedzi wose.

Mari inowanikwa kune zvakasiyana-siyana zvekushandisa. Zvikwereti zvekwereti zvinoshandisa mari iyo vamwe vatengi vanoisa mari yekubhadhara zvikwereti kune vakwereta.

• Mari yechikwereti (zvikwereti) zvinopa mari kutenga imba. Chechipiri mari yekubhadhara uye misha yekuenzanisa yemari yechikwereti (HELOCs) inokubvumira kushandisa mukana mune imwe nzvimbo yaunenge uine .
• Mari yekuzvikwereta inogona kuva imwe yezvikwereti zvakakurumbira kubva kune zvikwereti zvemari. Mitengo inowanzokwikwidzana, uye zvikwereti zvekwereti zvingave zvine ukama nevatengesi vemotokari.
• Zvikwereti zvako zvinogona kushandiswa kune chero chaunoda . Iyo inozivikanwawo se "signature loans" pamabhengi emari, zvikwereti izvi zvinogamuchirwa zvichienderana chete nezvikwereti zvako zvikwereti uye mari yako.

• Marikiti yemakadhi ari mitsara yekwereti inokurudzira iyo inokubvumira kubhadhara nekudzorerazve - chero bedzi iwe usingapfuuri chikwereti chako chemari.

Mamwe mavhisi anowanikwawo kubva kune zvikwereti zvikwereti. Panyaya huru dzekwereti, unogona kuwana zvinotevera:

• Yepamutemo inotarisa sekuchechechedza kwecashier kana kuongorora. Pano pane mari shoma, asi iwe unongoda chete zvinhu izvi kune imwe nguva kubhadhara kana zvimwe zviitiko zveupenyu.
• Mitemo yemari yakafanana nechekuchechera , uye iyo inobatsira kana cheki yako isiri yakakodzera (asi iwe haufaniri chekoni yekasi).
• Makachengeterwa mabhokisi mabheti nzvimbo yakachengeteka kuchengeta magwaro anokosha uye zvigadzirwa zviduku. Zvinhu zvako zvakachengetwa mushure mekuvhara kwezvidimbu, asi iwe unoda kuwana chinhu chipi zvacho chaunoda panguva dzebhengi.
• Nhepfenyuro yevashandi inogona kubatsira kana iwe uchida kuratidza kuti chinasa chiri chechokwadi pane zvinyorwa zvepamutemo . Chikwereti kubatanidzwa mushandi (uyo anofanirwa kuvawo nyanzvi yevanyori) anogona kuisa tampu yepamutemo pane zvinyorwa zvako uye kunyora nguva uye zuva rekunyora kwako.

Izvo zvibereko nemishandiro zvinowanikwa kwauri zvichasiyana kubva kune chikwereti chechikwata kune chikwereti. Zvikwata zvekwereti zvikuru zvinowanzopa zvakasiyana-siyana, asi zvikwata zvidhinho zviduku zvinogona kuchengeta zvipo zvishoma. Asi iwe unogona kushamisika - kunyange zvikwereti zviduku zvidhinha zvinogona kubvumirana nemamwe masangano kusangana nemirairo yako. Dana iwe wekodha yemunharaunda uye ubvunze nezvemashandiro, mari, uye zvigadzirwa zvemagetsi (sezvibvumirano) sezvo iwe uchiongorora dzimwe nzira.

Kukodzera: Kuwana Credit Union

Kuti uve nhengo yekodhi yekodhi kubatana, iwe unofanirwa "kukodzera" kana kukodzera kubatana. Kukodzera kunowanzova nyore, asi ichiri chikonzero nekuda kwechikwata chekunyora musangano uye mutemo wezvematongerwo enyika.

Mishandirapamwe yemakokodhi yakagadzirirwa kushumira vanhu nemasangano anogoverana nechisungo chakafanana, uye vanhu vanoita zvinotarisirwa vanozivikanwa semunda wehutano. Iwe unokwanisa kukodzera nenzira dzakawanda:

• Basa rako: Waunoshandira angakwanisa kubhadhara chikwereti chekweretheni kana kuva neukama nemabhadharo emarikiti munzvimbo yako, kuitira kuti iwe uve nekwanisi yekubatanidza zvikwereti zvezvikwereti. Mamwe mabasa aunoitawo kuti iwe uve chikamu chechikwerero chebato (saka iwe pachako iwe mushandi hauna basa - basa rako rinokutora iwe).
• Nzvimbo yako: Zvimwe zvikwereti zvekwereti zvakazarurirwa kune ani zvake anorarama kana kushanda mune imwe nzvimbo. Somuenzaniso, iwe unogona kukodzera nokuti unogara kune rimwe guta kana nharaunda. Kunyangwe kuenda kuchikoro kana kunamata mune imwe nzvimbo iwe usingagari mazviri kunogona kuguma nekukodzera.
• Boka hukama: Kuva nhengo yemamwe mapoka kunogona kukuita kuti uwane chikamu chezvikwereti zvezvikwereti. Mamwe maboka akazarurirwa kuvanhu, uye iwe unogona kubatana nemapoka iwayo kuitira chinangwa chokuva chikwereti chekambani. Mamwe mapoka (sangano reimba yeimba) anoda kuti iwe uwane mamwe maitiro.
• Mhuri yako: Kana nhengo yemhuri yako iri chikwereti chechikwata, iwe unogona kunge uine chikwereti icho chikwereti chechikwata chinoenderana nekukodzera kwechizvarwa chako.

Kuti uwane mazita emakambani emakwereti munzvimbo yako (pamwe chete netsanangudzo yezvakakodzera), edza kutsvaga ne zip code yako paCULookup.com.

Nzira Yokubatanidza Nayo Chikwereti

Kana uchinge wawana sangano rauri kuda (uye kuti iwe unokodzera kubatana), kuva nhengo iri nyore sekuzarura nhoroondo. Izvozvi zvakafanana nekuzarura kambani yekuchengetera kune rimwe bhangi kana kubhadhara chikwereti: iwe unoda kupa ruzivo pamusoro pako, unounza chiziviso, uye unotanga kubhadhara (kazhinji $ 25 kana pasi). Dzidza zvakawanda pamusoro pezvinodiwa kuti uzarure mari uye uone maakaunti .

Zvose zvinokonzerwa kubatanidzwa vabatanidzi vanoda kuzarura nhaurirano inokosha (kana kuti yakachengetwa). Kunyangwe iwe uri kungojoina chikwereti chekodzero kuti uwane chikwereti, iwe unoda kuva nhengo - izvo zvinoda kuti uve ne "mugove" wekweretheni yemubatanidzwa. Muzviitiko zvakawanda, iwe unongoisa zvishoma madhairi mashanu kubva mune imwe nhoroondo kuti uwane chikwereti, uye iwe uchangotendera mari iyo kugara nokusingaperi.

Iko Mari Yako Yakachengeteka paCredit Union?

Kubhadhara mari inobhadhara mari yakawanda zvakadai sebhagheni yako. Sangano rinodzivirira mari yako rinoenderana nerudzi rwechirongwa chaunoshandisa. Federally insured credit unions vanoshandisa National Credit Union Share Insurance Fund (NCUSIF) , iyo inotsigirwa nehurumende. Pamabhangi, inshuwarisi inouya kubva ku Federal Deposit Insurance Corporation (FDIC) . Pamasangano ehurumende anobhadhara chikwereti, hutano hwehushuwarisi hwakafanana neDisk inshuwarisi - inotsigirwa nekutenda kwakakwana uye chikwereti chehurumende yeUnited States. Zvose zviri ma inshuwarisi zvinosvika madhora mazana maviri nemakumi maviri nemakumi maviri nemakumi maviri nemadhora ega ega yebazi (zvinokwanisika kuvhara mari inopfuura $ 250,000 mune imwe chikwereti chekwereti mune mamwe maitiro).

Kana chikwereti chako chisati chiri chekuchengetedzwa kwenyika, iwe unogona kunge wakachengetedzwa pasi peinishuwarenzi yega yega, uye mari yako inogona kunge yakachengeteka, asi NCUSIF inshurenzi inonyanya kunaka nekuda kwehutano hurumende.

Ndiani Anotora Chikwereti Chakwereta?

Kana vose vevatengi vane chikwereti chebato, ndiani ari kutarisira?

Zvikwereti zvekwereti zvine vashandi vakasiyana-siyana, kusanganisira bazi vanozivisa uye vashandi vezvikwereti, hutungamiri nemabasa ekushanda, uye vatariri. Vatungamiri vepamusoro vane boka revatungamiri vanoita zvisarudzo pamusoro pekweretheni masangano, mazano, nezvimwewo. Bhokisi iri rinoumbwa nevadzidzi vanozvipira. Havana kuzviita kuti vabhadharwe - ivo vanobva kune chikamu chekubatana nhengo dzinoda kutaura kuti nzvimbo yacho inoshandiswa sei.

Kubhadhara chikwereti vhodhi vhoti yevatungamiri. Nhengo imwe neimwe inotora vhoti imwe chete, saka nhengo dzose dzine simba rakaenzana (nhengo dzine mari yakawanda mukweretheni yemubatanidzwa hazviwani mavhoti akawanda kupfuura vamiriri vane zvishoma).

Ndezvikwereti Zvekweretheni Zvinokwikwidza?

Zvikwereti zviduku zviduku zvinopa mabhanga makuru kumhanyira kwemari yavo. Nokuti zvikwereti zvekwereti zvinowanzotarisa mubasa pamusoro pekubatsira, mari inogona kunge iri nani kune chikwereti chebato. Kana iwe uri mukana wekutengesa, iwe ungasaona mahedheni akakwirira anowanikwa pamabhanki eIndaneti . Zvisinei, ukama hwenguva refu nehwanda chikwereti chekwereti chinogona kushanda zvakanaka, uye kubatsirwa kwezinga rakakwirira rinongokura sezvakaenzana nekambani yako.

Izvo zvinoenda kune hukama nevanamwari vemunharaunda yakanaka.

Dzimwe nguva iwe uchawana chikwereti chekubatana icho chisingatauri zvose zvakasikwa zvezvigadzirwa nemabasa ayo mabhanga makuru anopa. Kana iwe ukaitika kuti unoda hurumende idzi, unogona kunge uchifara zvikuru ne megabank inopa rimwe-stop-shopping kana imwe huru yechikwereti.

• Ona mamwe mahurukuro: Mabhangi vs. Zvikwereti Zvemari

Sezvo kutarisa kusununguka kurega kubva kuhomwe huru yebhangi, zvikwereti zvekwereti zvakawana mukurumbira. Sangano reCredit Union National Association (CUNA) rinotaura kuti 76 muzana yemakambani emakwereti anoramba achipa pachena kusununguka pasina michina yakabatanidzwa. Kuti uve wakarurama, iwe unogona dzimwe nguva kukwanisa kubhadhara pachena pamahombekombe makuru, uye iwe unogona kuita zvakafanana pane zvimwe zvikwereti zvekwereti.

Kana iwe uchifunga kuchinja kune chikwereti kubatanidzwa (kana kutama kubva kubhangi kusvika kubhangi), iva nechokwadi kuti zvine musoro kutamba ngarava . Kuendesa maakare kunogona kuva marwadzo, uye ikozvino chikwereti chebato chinogona kukwanisa kupa mhinduro dzinokuchengetedza iwe kufara kwauri. Kana zvasvika nguva yekufamba, shandisa kuvhara kwekodheti chekuongorora kuti hapana chakawira mumapapuriro.