[BigV]

Please.

Hie thee to the nearest credit union. Immediately.

Do you realize that you are a cash crop from the perspective of the bank? They have a fiduciary obligation to ... the stockholders. Not to you. The principle function of a bank, is to remain a going concern. They're mission is to stay in business. And that means to keep making a profit. That profit comes *from you* and flows *to them*. Your money goes to the owners of the business. Just like at Subway, or JCPenney or any other business.

A bank gives you a service, holding your money, making it kinda easy to get to, .... that's probably it for you at this time. Perhaps you have a credit card or a loan of some kind with them. You pay for this service. Your money goes to the owners of this business.

A credit union does all the same things, provides all these same services, but with one very fundamental difference. The money you pay for these services goes to YOU, because YOU are one of the owners. That is why it is called a credit UNION. People join together and as a group, a union, they decide to run an operation that does things the bank does, but instead of having the money/profit generated by the operation go outside, we all just share it among ourselves.

You'll still see some fees, and the CU will operate in the black, and those "profits" are returned to you as dividends.

You have the best of both worlds--you get the services of the bank, and you get the profits of the operation.