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Posted By: x43b

Posted On: FatWallet.com

Forum: Agriculture Federal Credit Union currently has a 6.0% share certificate offer. Minimum is $1,000 to open account. You must also open up a savings account with a minimum deposit of $5. I believe the minimum to avoid fees is $100. The best part of this deal in my opinion is this credit union is open to anyone who pays a $20 fee to join the "Dance Society." It is pretty hassle-free, you check to become a member on your account application. This is truly a national deal.

Legitimacy: I searched "Agriculture" on the ncua.gov website and followed the link from there so I have confidence this isn't a phishing scam.

Sign up: Sign up was fairly easy but there were two downsides. 1) You must open a share savings account. 2) You cannot transfer more than $10,005.00 from a new linked funding account. I wanted to deposit $10K in the CD so this wasn't that big of a deal for me. I put $9,980 in the CD (oh well), $20 for the Dance Club, and $5 for the savings account (I'll deposit another $95 later in the savings account to avoid fees).

Credit Card Funding: All credit card funding of accounts are treated as cash advances, no real advantage here as you could have done a cash advance on your own and transferred later. Less attractive than it originally appeared.

Posted By: Amy Secrest

Posted On: tripod.com blog

I found this cute plastic canvas bird kit at the thriftstore. I am all about these birds... I may even deviate and make a cardinal too! Then when I was at the evil empire of wal-farts [wal-mart] (hey my credit union has a location open until 7 pm Mon-Sat in the store)...

Posted By: Max Anderson

Posted On: consumersavvytips.org page, titled "The Credit Union vs the Bank"

"If you're not already a credit union member, you may be wondering what the difference is between your local credit union and your local bank-or perhaps you're not really wondering at all and you assume they're pretty much the same. You may be surprised to find out that there are indeed some very substantial differences between credit unions and banks including the way they operate and who they work for."

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