#7 Credit unions work with other credit unions to provide a network of free ATMs and Shared Branches nationwide.
#8 Most credit unions still make unsecured loans where as most banks no longer make small personal loans.
AutoTrek is contracted by over 25 Colorado Credit Unions as their preferred Auto buying service. We help credit union members find the vehicles their looking for, new or used, we help them negotiate a great price and we take care of the financing with the credit union.
#4 Credit Unions usually offer onsite education sessions to their members at no cost. Topics include but are not limited to Budgeting, Identity Theft, and Credit Report Information.
#5 Credit Union membership is a lifetime benefit. Once a member you are always a member, even if you move or change jobs.
#6 A members immediate family are also eligible for credit union membership.
AutoTrek is contracted by over 25 Colorado Credit Unions as their preferred Auto buying service. We help credit union members find the vehicles their looking for, new or used, we help them negotiate a great price and we take care of the financing with the credit union.
#1 Credit Unions are member-owned not-for-profit financial institutions. Since credit unions are non-profit financial institutions, any excess earnings are returned to the members in the form of higher deposit rates, lower loan rates, lower fees, and free or no cost services.
#2 Members share ownership of the credit union, and have a voice in how the credit union operates.
#3 The Board of Directors for a credit union are all volunteers elected from the membership by the membership.
AutoTrek is contracted by over 25 Colorado Credit Unions as their preferred Auto buying service. We help credit union members find the vehicles their looking for, new or used, we help them negotiate a great price and we take care of the financing with the credit union.
Black ice is a very simple way to describe slippery and dangerous road conditions. It gets the name from a layer of ice that covers a section of road and is transparent due to freezing without very many air bubbles and appearing the color of the material beneath it, which is usually black asphalt.
At low temperatures (below 0°F/-18°), black ice can form on roadways when the moisture from automobile exhaust condenses on the road surface. Salt’s ineffectiveness at melting ice at these temperatures compounds the problem. Black ice may also form even when the ambient temperature is several degrees above the freezing point of water 0°C (32°F) if the air warms suddenly after a prolonged cold spell that leaves the surface of the roadway well below the freezing point temperature.
Always beware of the black ice! Bridges and overpasses can be especially dangerous, and accidents occur very quickly.
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