Credit Union Chatt Box

In this episode of the Credit Union Chatt Box podcast, we break down the key differences between debit and credit cards. Michael Crosa, President Terri Stansell, and team member Megan Profit explain how a debit card is linked directly to your checking account, while a credit card is essentially a line of credit. They discuss the pros and cons of each, fraud protection, how to keep your accounts safe, the importance of checking your...

In this episode of "Credit Union Chatt Box," host Michael Crosa and Terri Stansell, President of Chattanooga First Federal Credit Union, dive into the intricacies of mortgages and home buying. They discuss various aspects of the home-buying process, including down payments, different mortgage products, eligibility criteria, and the benefits of working with a credit union for your mortgage needs. Terry emphasizes the importance of g...

Michael talks with Terri and Susan from Chattanooga First Federal Credit Union about helpful tips and advice for first-time car buyers. They explain the benefits of getting pre-approved financing through a credit union, like lower rates and personalized service, versus going directly to a dealership. They also advise on buying from private sellers, like checking proper title transfer and insurance requirements.

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In this episode, Michael Crosa talked with Terri Stansell, president of Chattanooga First Federal Credit Union, and Carol Carter, a staff member, to discuss the differences between credit unions and banks. The guests share stories of how their credit union has helped members improve credit scores and qualify for loans. They emphasize that credit unions exist to serve members, not make profits like banks. Overall, they advocate that...

Michael Crosa talks with Terri Stansell, President of Chattanooga First Federal Credit Union, and Susan Tate, a credit union employee, about getting an auto loan from a credit union. They explain the credit union membership application process and emphasize doing research on the car's history and value before purchasing. They advise getting pre-approved for financing so you have strength in negotiating at dealerships. They warn aga...