Note that you can't shop around between CU, as you can be a member of (typically) only one CU.While its 10 years since I got a cu loan, so market has changed....id just watch the interest youv to pay...even various cu differ and by going to a bigger cu only 20mins away or worse an hr away but where I worked a cheaper loan could have been got...
..........................................................Note that you can't shop around between CU, as you can be a member of (typically) only one CU.
So what you suggest is impossible.
Note that you can't shop around between CU, as you can be a member of (typically) only one CU.
So what you suggest is impossible.
It is quite possible to be a member of more than 1 credit union, e.g. live in town A, work town B. Qualify to be a member in each. Can't just shop around for lowest rate though.Sorry didnt know this, didnt mean to mislead...I got 40k over 5 yr interest 13k...I know I could have got better deal in a bigger cu was my point
The Three times rule is not set in stone. It's really 4x but flexible. As said above, it is about your capacity to repay. The repayment on €10k would be higher than the repayment on €7.5k, naturally, so it's a matter of which is more comfortable for you. I would probably agree with using the €2,500 and just borrow €7.5. You will save more interest than the value of dividend and included insurance. Do tell them it's to clear cc. They love to get members away from cc debt.I owe about 4400 on one and 5800 on another. I"m not sure what the interest rates are.. but without using them it adds about 130 to them each month ( total not each )
So depositing the 2500 at once shouldn't be an issue ? ..
I suppose i'll talk to them.
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