Cross Usage of Banks and Credit Unions

Jeffrey Gutenberg, William Caren, Michael Schinski and James Prinzi

Journal of Applied Finance & Banking, 2014, vol. 4, issue 4, 4

Abstract: Federal Credit Unions (FCU’s) represent a growing part of consumer banking in the United States. They are aggressively seeking new customers in many markets, and are no longer the financial institution of choice for only company/organization employees who have very unsophisticated financial needs. This article examines survey data from almost 1,7000 households in a mid-sized US city to explore the degree to which consumers use both credit unions and banks across several debit and loan products.

Date: 2014
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