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 How can you stay ahead of the savings game when interest rates are dropping?
Clark suggests that credit union memberships can give consumers a step up.
Members can get favorable rates on CD's, savings accounts, no-fee
checking accounts (some accounts pay interest) and on home equity and auto
loans. These loans can often be 1% to 1.5% lower than found at traditional banks.

Check out the Credit Union National Association site at http://www.cuna.org
to find out if you can join a local credit union. Recently passed laws provide
consumers a greater access to join than ever before. Pay the fee to establish a
lifetime membership status to be ready to shop for low-cost products and to
obtain favorable loans on future auto purchases.
101 votes.