Where to Find Cheap Loans: Credit unions have plenty of cash, and their rates often beat what banks charge

摘要

WHILE BIG BANKS CONTINUE TO CHERRY- pick borrowers, credit unions are opening up their vaults. Thanks to conservative investing and lending policies that largely sidestepped the subprime-mortgage mess, credit unions have plenty of cash on hand. Plus, interest rates on most loans average at least one percentage point lower than at banks.