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hello members welcome to our series on the difference between core credit union and a bank in todays video were going to look at loans and why your credit union loan is better than a bank loan for three key reasons for you to think about when youre looking at a credit union or first benefit is a credit union has the loan protection insurance so your loan is protected should you die during the duration of your own the second huge benefited the Surgenor fees and charges in particularly when you get into difficulty with your own youre not going to be faced with fees and charges on top of your interest and finally Id like to get into some technical detail about accrued interest versus applied interest Im worried the credit unions method of accruing interest works are better for you as a member in the long term so even if you turn off now dare to treat critical things you need to think about when youre making a decision stick with me and well go into each of these things Oh the forc