Big Banks vs. Small Lenders – Which Should You Choose?

Related: Here’s Why Everyone’s Wrong About Big banks. 3 reasons Why You Should Go With a Big Bank You Need Access to ATM Locations Wherever You Go. The big difference between the big banks and your local community bank is the geographic footprint. Bank of America has thousands of ATM locations all across the nation.

 · One of the biggest differences between a credit union and a bank is the non-profit nature of a credit union. Because a credit union is non-profit, it can often offer lower mortgage rates and other interest rates. You can get a credit card, just as you would through a big bank, but you might not have to pay the same interest rate on the balances.

This is a prime factor to think about when deciding on a bank.Big banks have the advantage here because they have many locations, nationwide and worldwide. Bank of America, for instance, has "sister banks" in Mexico and Europe where you can withdraw money without racking up ATM fees.If you are a student, this aspect is not to be taken lightly, since you will likely be traveling between home.

Your local credit union should be your. To apply for a loan, you need to become a member first. » MORE: Credit unions vs. banks: The difference and why it matters Many credit unions offer both.

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Mortgages aren’t looking wonderful to the nation’s largest banks. You can kiss George Bailey’s mortgage market goodbye. As the small-town banker in Frank. never meeting the lender behind the.

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Direct lenders. Banks, mortgage banks and nonbank lenders all are direct lenders; that is, employees review your application and make the decision to lend you money. Typically, the institution will sell your loan on the secondary market. Benefits of a direct lender: Reliability: You probably know and trust the institution.

When you work with a community bank or another small mortgage lender, there’s more opportunities for special financing. Whereas some big banks only offer 3/1 or 5/1 ARMs, some small lenders offer customers a wider selection of options, such as a 15/15 ARM where the interest rate only adjusts once over the life of the loan.

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But the reality is, having a big emergency fund really is a worthy goal. That’s because an emergency fund can do a lot to protect your finances, family, and peace of mind. In fact, here are just a few.

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