Article: The Morning Call, Allentown, Pa., Spending Smart column: Credit unions offer great rates, service.(Column)

Byline: Gregory Karp

Aug. 5--Consumers have a plethora of borrowing and saving options, from traditional banks to online-only banks to credit unions and investment brokerages.

And while Internet-only banks can offer the most competitive rates for saving and borrowing, credit unions offer a mix of favorable rates and personal service. They're often a good alternative to traditional banks, which still dominate the market.

Credit unions are affiliated groups of people who pool their money and lend it to each other. They don't have divided loyalties--trying to serve a customer at the same time as boosting profits and the stock price for ...

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