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<p>[QUOTE=&quot;kaparthy, post: 672516, member: 57463&quot;]<b>We own it!</b></p><p><br /></p><p><br /></p><p><br /></p><p>Dude, did you say &quot;credit union&quot;?&nbsp; As a credit union member, you do understand the difference between a bank and a credit union?</p><p><br /></p><p>Credit unions are severely limited in the investments they can make.&nbsp; They earn lower profits.&nbsp; (They also pay less.&nbsp; But to overcome that they tend to go for technology.&nbsp; CUs were the first to have dial-up touchtone banking back in the 1980s.&nbsp; They also established networks of ATMs across CUs.)&nbsp; Credit Unions tend to do a lower volume of business.&nbsp; The largest CU is about the same size as the smallest bank.&nbsp; At least, it was so when I wrote several articles for <i>Credit Union News</i>.&nbsp; </p><p><br /></p><p>As a credit union member, you get to vote for the Board of Directors.&nbsp; Where do you imagine you would be in life before you got to choose the directors of Wells-Fargo?</p><p><br /></p><p>The sheer volumes of business allow banks to keep rolls of coins in their vaults because they cycle them in an out and the cost of shipping can be spread out across transactions.&nbsp; A credit uniion&#039;s lower volume means that coins in the vault are money laying around and not working.</p><p><br /></p><p>As a CU member, you can run for the Board.&nbsp; You can certainly go to Board meetings and bring a proposal.&nbsp; Put it writing.&nbsp; You know, the CU might have other numismatists.&nbsp; Also, for my own credit union -- members since 1984 -- when I want something like rolls of halves, I usually pay up front, they take the money from my account and a week or so later, I can pick up the coins.[/QUOTE]</p><p><br /></p>

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