{"id":1438,"date":"2017-06-26T18:02:18","date_gmt":"2017-06-26T18:02:18","guid":{"rendered":"https:\/\/sites.austincc.edu\/money\/?page_id=1438"},"modified":"2017-06-26T18:02:18","modified_gmt":"2017-06-26T18:02:18","slug":"banking","status":"publish","type":"page","link":"https:\/\/students.austincc.edu\/money\/banking\/","title":{"rendered":"Banking"},"content":{"rendered":"<p>Thinking of opening a checking or savings account? \u00a0<a href=\"https:\/\/americasaves.org\/blog\/824-8-questions-to-ask-before-opening-a-bank-or-credit-union-account\">Read here for eight questions to ask<\/a> before opening an account at a bank or credit union.<\/p>\n<p>The Student Money Management Office encourages ACC students to establish a relationship with one of our amazing local credit unions. \u00a0As an ACC student, you are eligible for membership with <a href=\"https:\/\/aplusfcu.org\/\">A+ Federal Credit Union<\/a>, <a href=\"https:\/\/www.goamplify.com\/\" target=\"_blank\" rel=\"noopener\">Amplify Credit Union<\/a>, and\u00a0<a href=\"https:\/\/www.ufcu.org\/\">University Federal Credit Union<\/a>. These member-owned institutions vary in size and in service, but what is consistent is key offerings of credit unions:<\/p>\n<ul>\n<li>The mission of credit unions is to provide its members with affordable services.<\/li>\n<li>Credit unions pass on the savings from their not-for-profit status through their entire product line. Generally, members are offered higher interest rates on savings accounts and lower interest rates on loans and credit cards.<\/li>\n<li>According to the\u00a0<a href=\"http:\/\/www.bankrate.com\/banking\/checking\/credit-union-checking-survey-results\/\">2016 Bankrate Credit Union Checking Survey<\/a>, 76% of credit unions do not have minimum balance requirements.<\/li>\n<li>Credit unions have joined forces to offer its members shared ATMs and branches.<\/li>\n<\/ul>\n<div class=\"embed-responsive  embed-responsive-16by9\">\n<div class=\"iframe-container\">\n<div class=\"iframe-container\"><iframe loading=\"lazy\" class=\"embed-responsive-item\"   class=\"embed-responsive-item\"   title=\"Banks vs. Credit Unions: What&#039;s the Difference? - 2 Minute Finance\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/rfHyQ-8eLC4?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Thinking of opening a checking or savings account? \u00a0Read here for eight questions to ask before opening an account at a bank or credit union. The Student Money Management Office encourages ACC students to establish &hellip; <a href=\"https:\/\/students.austincc.edu\/money\/banking\/\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":86,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1438","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/students.austincc.edu\/money\/wp-json\/wp\/v2\/pages\/1438","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/students.austincc.edu\/money\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/students.austincc.edu\/money\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/students.austincc.edu\/money\/wp-json\/wp\/v2\/users\/86"}],"replies":[{"embeddable":true,"href":"https:\/\/students.austincc.edu\/money\/wp-json\/wp\/v2\/comments?post=1438"}],"version-history":[{"count":0,"href":"https:\/\/students.austincc.edu\/money\/wp-json\/wp\/v2\/pages\/1438\/revisions"}],"wp:attachment":[{"href":"https:\/\/students.austincc.edu\/money\/wp-json\/wp\/v2\/media?parent=1438"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}