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gabrielfulton-blog1 · 6 years

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Is It a Good Time to Become an Oregon Credit Union Member?

Truth being told, it is always a good time to opt for the services offered by an Oregon credit union instead of relying on the same old Portland banks. There are lenders that pay attention to your needs and others that are simply trying to scam you into paying higher fees.

There are different moments when you might want to consider getting in touch with an Oregon credit union and becoming a member. One of them would be when you have decided that you would like to open a savings account. After all, you never know what might happen in the future and it is always better to have some money that you can rely on. Interesting enough, when you open such an account, you can benefit from great interest rates.

It would be recommended that you ask about the different benefits associated with this account before you decide to open it. For example, if you also get your salary wired in each month in an account that you have also opened at the same lender, they will allow you to make automated payments to your savings account. Of course, it all depends on the lender, which is why you need to do some research first. Another situation in which you could rely on credit unions is when you have a business and need a loan to get it going.

You might just have an idea and a business plan as well as some money saved up. But, you need more so that you can actually launch your company. The good news is that the right credit union can help you. They will also offer you proper financial assistance when you want to expand your business or would like to replace some of the assets that you have been using. This gets us to another situation in which you could benefit from the help of these financial consultants.

Maybe you have just decided that you would like to buy a house, but do not have the resources to do so. What should you do about it? Well, the best idea that you could have would be to get your credit score checked first so that you learn exactly what sort of home you should be looking for. It is all a matter of knowing what you can afford on a monthly basis. Fortunately, when relying on credit unions, interest rates are lower, which means that you have a bigger budget.

You should also opt for their services when you are interested in buying a new car. Maybe you want to get it for yourself or for your business. Either way, the same lender can help you. As you can see, the services that a credit union has to offer are the same with the ones provided by Portland banks. However, there are quite a few differences that you might notice starting with the way that consultants treat you. The ones working for credit unions are always smiling and polite.

The ones working for banks are only interested in what you have to say if they can convince you to opt for their special offers. At the same time, you will get to a point where you do not know exactly what you are signing. This happens when you walk into a bank and the consultant that you meet there tries to use solely financial terms that you don’t understand. This will never happen if you switch to credit unions. It is simply more convenient this way.

Even if you might have been used to relying on banks until now, you should know that you will be able to benefit from a longer list of advantages when you become a credit union member. They are more flexible, more customer oriented and prepared to do everything in their power to ensure you are happy with the level of services that they provide. When you need a loan, this particular kind of lender is the best choice. You have a higher chance of getting your application approved. They just don’t have the same strict policies and procedures like banks. Do some research and read a few reviews written by people that have opted for the services of both these lenders.

If you are currently contemplating becoming a Portland banks client or an Oregon credit union member, the second choice is better. To get all of your financial questions answered, click on the right link and get in touch with one of our consultants!

#portland banksoregon credit union

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gabrielfulton-blog1 · 6 years

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Is It the Right Time to Contact an Oregon Credit Union?

If you are waiting for the perfect moment to get in touch with Portland banks or maybe even an Oregon credit union, you might want to do some research first and find out which of these options would be more suitable for you.

The interesting part is that after reading a few short facts about each of these financial institutions, you will realize that credit unions are the only ones worth your while. Now, when it comes to finding the best moment to opt for the assistance of this lender, let’s start with the decision that you want to buy a house. When you are a first home buyer, there is a lot that you need to learn before you actually begin all the procedures that will take you closer to this final goal.

The good news is that a proper Oregon credit union will offer you the chance to attend workshops or even read useful information about how you can buy your first home, what you should expect from this entire process and how you can avoid any unpleasant situations. This will prove to be more than useful when you have found the house of your dreams and feel that you cannot wait any longer before you make an offer.

But, keep in mind that there are certain steps you have to follow before you get to that point. Fortunately, the right consultants are going to tell you more about what you should expect and what needs to be done. They will do most of the work, but you will still be required to provide certain documentation and fill out paperwork and so on. Before you know it, you will get pre-approved and will know exactly what kind of home you can afford. It is always best to benefit from an honest opinion rather than just hear what you want to hear.

After all, we are talking about your future. You need to be able to afford those monthly payments, not get to a point where you have to get another loan to pay for the first one. Another perfect situation where you could use the help of a credit union is when you are running your own business and would like to ensure that your personal funds are not mixed with the ones of your company. Even if that might have seemed like a good idea at first, it was not and it will never be.

There is just too much at stake. First of all, it can be hard if not nearly impossible to be organized when everything is mixed up. This will prove to be highly inconvenient, especially when it comes to paying your taxes or you might have to deal with some legal problems. If you are facing a lawsuit, it is best to ensure that your personal finances do not have anything to do with your business. This way, your own money will not be affected by this whole situation.

Another moment when you should join one of the available credit unions is when you are ready to plan for the future, but do not really know where to start. Even if that might be the case, you should be aware of the fact that the right consultants will guide you towards making the smartest financial decisions. This means that even though you want to save a lot of money for the future, you have to choose between a few different types of accounts. It is not easy, especially when you do not have any experience in this matter.

However, everything will turn out just fine. The secret here is to not go to any Portland banks and focus on getting assistance from credit unions. You will be able to find out everything there is to know about these various savings accounts so that at the end of the day, you can make an informed decision. It all depends on how much money you would like to set aside and even earn. When you talk to consultants, you will know for sure that they are listening to you because the answers they provide are on point. Find out how you can join a local credit union and become a member as soon as possible!

If you find yourself in any of the situations mentioned above, make sure that you skip going to Portland banks and find out more about our Oregon credit union. You should consider visiting our website for more information today!

#portland banksoregon credit union

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