ʻO wai ka mea maikaʻi no kāu kālā?
E eli mākou i nāʻikepili ma lalo, akā ma keʻano he pōkole pōkole:
- Nāʻano likeʻole:ʻO nāʻupena a me nāʻaha kālā kālepa e hāʻawi nei i ke kope a me nā waihona mālama kālā, nā loans, nāʻoihana kālepa, a me nā lawelawe'ē aʻe. No ka hapanui o nāʻoihana banking, ua like lākou.
- Nāʻokoʻa:ʻO nā uniona hōʻai'ēʻo ia nā pūnaeweleʻoihana,ʻoiaiʻo nā kālepa kaʻoihana kūʻai maikaʻi. I kekahi mau mea, hāʻawiʻia ka hāʻawi kālā i nā uniona loea. Akā, no ka huiʻana i kahi'ahakeka, ponoʻoe e kūpono ma ka hālāwaiʻana i nā pae hoʻohālike.
No kahi hōʻano mua i nā uniona hōʻoia, me ka laweʻana i ka pono, ka palekana o kāu kālā, a me nā huahana, eʻike i pehea e hoʻohanaʻia ai nā Credit Unions Work .
Nā kuleana: Ke kūlana o ka Pelekane
ʻO nāʻeke kālā i kālepaʻia e kā lākou mau mea kūʻai, aʻo ia hoʻi iʻikeʻiaʻo "nā lālā." ʻO nā mea hoʻolale kālā paha he mau miliona lākou o nā mea waiwai inoaʻole a iʻole kekahi mau mea kālā nui nui, e pili ana i kaʻaʻa. ʻAʻole pahaʻoe e noʻonoʻo a manaʻo paha he mea nui loa ia, akā, pili ka mana o ka hoʻoilina i ka hana a kēia mau keʻena.
ʻO kaʻaha'elepona maikaʻi:ʻO ke kūpono, hiki i nā uniona'olepa ke hāʻawi aku i nāʻoihana maikaʻi no ka meaʻaʻole lākou i waho o nā mea kālā e ho'āʻo nei e hoʻonui a hoʻonui i ka waiwai ma ka lilo o nā mea kūʻai.
Nui nāʻaha kālā i hana penei: Pai lākou i ka ukupaneʻe i nā waihona a me nā CD , ke hāʻawi nei lākou i ke kānanaʻole i nā mea a pau, a ke hoʻolimalima nei lākou i nā haʻawina.
Hoʻoʻae i ka rule: Akā naʻe,ʻaʻole iʻoi aku ka maikaʻi o nā uniona kālā ma mua o nā kāpena. He kūlana kūlike nā kumukūʻai o nā kaiāulu e pili ana i nā uniona kālepa, e like me ka lawelaweʻana i nā heluna o ke kaiāulu a me ka hāʻawiʻana i ke kaiāulu
ʻO ka mea nui aku,ʻo kekahi o nā uniona kālepa e hana like me nā kāpili nui a uku aku i nā uku kiʻekiʻe like me ko lākou mau mea hoʻokūkū. Ma keʻano he mau hui hoʻokupuʻole, ua loaʻa kēlā mauʻae'ai'ē i nā kōkua kālā e hoʻiʻole i nā lālā e like me ka mea i manaʻoʻia.
ʻO kaʻaeʻana i ka hōʻailona kālā
ʻO kou hiki iāʻoe e wehe i kahi moʻokāki kahi'eneʻa nui'ē aʻe ma waena o nā kālā a me nā uniona kālā.
No ka mālamaʻana i kā lākou kūlana hoʻolimalima, makemakeʻia nā uniona kālā e hōʻemi i ko lākou kumu kūʻai hōʻailona i kahi hui o nā kānaka i hoʻoili like i kahi pilina paʻa (i kapaʻiaʻo "ka inoa o ka lālā").
He mea maʻalahi ka hālāwai. Hiki paha iāʻoe ke komo i kekahiʻaha'ekekina no ka:
- Kahi āu e hana aiʻoleʻoihana āu e hana nei
- Ma heaʻoe e hele ai i ke kula aiʻole ka hoʻomana
- Ke kikowaena āu e noho nei
- ʻO ka lālā i loko o ka hui, kahi hiki iāʻoe ke hoʻomaopopo i ka pūnaewele
- ʻO ka pono o ka lālā o kaʻohana
Ma kahi o heaʻoe, hiki kahi kūpono e loaʻa kahi'ekepili kokoke e hiki iāʻoe. ʻO kekahi o nā uniona e lawelawe nei i nā lālā a pau loa .
ʻO kāu kālā mālama?
Hiki i nā 'ōkeke a me nā uniona kāleka ke mālama i kāu kālā. Inā hoʻokomoʻia kekahi keʻena, hiki ke mālamaʻia kekahi mau mea a iʻole paha o kāu kālā,ʻo ia hoʻi, e paniʻia kāu kālā. I ka hapanui o nā hihia, ua hoʻopauʻia kāu pūnaewele ma kahi hale hou, a iāʻoe ka helu helu a me ka helu helu e like me mua.
ʻO ka'olikua palekana e hiki mai ana mai ke aupuni US.
- No nā kālā kāleka,ʻo ka FDIC e mālama nei i nā kālā me ke kākoʻo aupuni.
- Ma nā huiʻeleʻele i hoʻohuiʻia i nā kuhina, mālama kaʻohana NCUSIF iāʻoe me ka manaʻo piha a me ka hōʻai'ē o ke aupuni US.
Ma lalo o ke kānāwai e pili nei,ʻo ka FDIC a me ka NCUSIF hiki ke mālama i ka $ 250,000 ma ka waihona no kēlā me kēia kula. Ināʻoe iʻoi aku i kēlā, ponoʻoe e hōʻoia e hoʻolaha i kāu kālā ma nā hōʻike inoa pūʻulu a iʻole nāʻoihana'ē aʻe. Hiki ke loaʻa i nā $ 250,000 i kahi o kahi i hoʻopaʻaʻia. Eia kekahi laʻana, ke heluʻia kāu pūʻali hoʻomaha a me kāu waihona helu helu hoʻokahi ma ka hale hoʻokahi.
ʻO kekahi o nā uniona hōʻailona i hoʻopaʻaʻia (ma kahi o ka federally-chartered), a ke hāʻawi nei lākou i kahi pilikino pono'ī. ʻOiai e kōkua ana kēia palekana ma nāʻano he nui (ʻaʻole lākou he kūpono i nā kula), ʻaʻohe kokoke i ka pilikino mālama pono e like me ka helu NCUSIF.
Nā mōhai makana likeʻole
ʻO nā huahana i loaʻa ma nā'ake a me nā uniona kālepa ua like like. No ka poʻe e hoʻohana ana i nāʻoihana pono'ī a me nāʻoihana liʻiliʻi-ʻaʻole ia he mea maikaʻi inā hoʻohanaʻoe i kahi kāleka a iʻoleʻaha kālā.
No nā lawelawe kūikawā, e like me nā lawelawe kālepa,ʻaʻole hiki i kahi lounike liʻiliʻi ke mālama i kāu mau pono. Akā,ʻaʻohe meaʻeha ke noi aku -ʻokoʻa nā pilina liʻiliʻi e pili pū me nā mea hoʻolaha i hiki ke hāʻawi i nā lawelawe launaʻole ma o kaʻahaʻeha.
Loaʻa i nā panakō a me nāʻahaʻaila kekahi mau huahana nei:
- Nā hōʻike pēke pūʻoi aku
- Ke nānā nei i nāʻike
- Nā hōkeo kālā
- Nā kākoʻo o ka waihona (CD)
- Nā hōʻai'ē loiloi (me nā hōʻai'ē kūʻai a me ke kūʻai kālāʻana )
- Nā loina kālā no nā kaʻa hou a i hoʻohanaʻia paha (e like me nā kaʻa pili kaʻa me ka RV)
- Mākeke kālā kālā
- Ke kūkulu'āina , ke kūkuluʻana , a me ke kāpili hale
Technology:ʻO nā'ake a me nā uniona kālepa e hāʻawi aku i nā lawelawe mālama kālā me nā polokalamu kele pūnaewele. Hiki iāʻoe ke nānā i nāʻikepili, e waiho i nā waihona me kāu polokalamu kelepona , hoʻololi i ka kālā ma waena o nā hōʻike kālā, e uku i nā bila , a me nā mea hou ma nā pūʻulu. I kekahi manawa, hikiʻole i kahi liʻikahi liʻiliʻi ke hāʻawi aku i nāʻano a pau āu eʻimi nei, akā, heʻole ia.
Lawelawe mea kūʻai mai
Hiki i nā hui kālā a me nāʻaha kālā'ai'ē ke hāʻawi aku i ka lawelawe kūleʻa maikaʻi. Ua hana hewa lāuaʻelua a ua hoʻohana i nā poʻe i hanaʻino i kekahi manawa.
Nā Honua: Ma nāʻaha kālā i hoʻohuiʻia a me nā liʻiliʻi liʻiliʻi,ʻoi aku keʻano o kaʻoihana i kaʻoihana. Me nā poʻe kūʻai a me nā limahana he nui, hiki ke maʻalahi i nā mea a pau keʻike i kekahi i kekahi. Inā heleʻoe i kahi lālā, aia kahi hana maikaʻi e hana pū me nā poʻe like, a hiki iāʻoe ke hoʻolālā i ka pilina. Hiki i kēlā mau pilina ke kōkua iāʻoe e hoʻolālā i nā loans inā loaʻa iāʻoe ka hōʻai'ē kūponoʻole-pono , a hiki iā lākou ke maʻalahi i ka hoʻoponoponoʻana i nā pilikia i kāu mau moʻokāki.
Ma nāʻano liʻiliʻi liʻiliʻi a me nā uniona kāleka, pono ka mea kūʻai aku (ma kahi hapa) ma ka moʻomeheu o ka hui. Hiki i nā hulina kūpono (no ka maikaʻi aʻoi aku ka maikaʻi), a hilinaʻi paha i ka mea āu e kamaʻilio nei i kēlā lā. Ma nā'āpana nui, e manaʻoʻia kahiʻoihana likeʻole (akā paʻakiki):ʻO nā limahana a pau e hele i loko o ka papahana hoʻonaʻauao hoʻokahi, a he liʻiliʻi lākou i ka wā e pili ana i nā pilikia lawelawe.
Hiki paha i kāu polokalamu ke hoʻopilikia i kāu hoʻoholo e hana me kahi bank a iʻole kaʻahahui. Nui nā'enewai waiwai nui e hāʻawi aku i nā laina lawelawe laina 24, a he mea kōkua paha ināʻaʻole hiki iāʻoe ke kamaʻilio i nā horaʻoihana. Eia naʻe,ʻo kekahi mau uniona hōʻai'ē (a me nā'alemo) e hāʻawi ana i nā hola lōʻihi a me nā pule hebedoma - a me nā pūnaewele maikaʻi loa. Inā hiki iāʻoe ke hana i nā mea a pau āu e makemake ai i ka pūnaewele, ponoʻole nā mea mālama kālā.
Hāʻawiʻia nā uniona hōʻailona i kahi mōhai kūikawā me ka launa pūʻana. Inā hoʻokomo kaʻaha kālā iāʻoe, hiki iāʻoe ke kipa aku i nā lālā o nā hui kālā'ē aʻe e komo nei ma ka'āina holoʻokoʻa. ʻO ka hapa nui o nā lawelawe, e like me nā waihona a me nā hoʻokuʻuʻana, hiki ke kaʻawale, akā ponoʻoe e hana me kou loina "home" ma nā pilikia nui.
ʻO wai kahiʻoi aku?
Hiki i nā 'ōkeke a me nā uniona kālā ke hāʻawi i nā lawelawe kālā koʻikoʻi. I ka hope loa, iho i nā huahana, nā lawelawe, a me nā uku i hāʻawiʻia e kēlā me kēia halehana āu e nānā nei. Inā loaʻaʻole ka waiwai iāʻoe, e hele wale me ka mea i loaʻa ka maikaʻi loa (a hoʻomanaʻo e hiki iāʻoe ke mālama i nā helu hōʻai'ē ma nāʻaina a me nā uniona kālā).
Inā makemakeʻoe i kahi hōʻai'ē, e loaʻa nā hua'ōlelo mai nā kumu likeʻole, me kahi pūnaewele hoʻokahi, hoʻokahi loina, a me kahi mea loina pūnaewele . E hoʻohālike i nā koina a me nā uku hoʻolālā ma kēlā me kēia hale, a noi iāʻoe inā paha e'āponoʻiaʻoe no ka hōʻai'ē ma mua o kou hoʻopihaʻana i kahi noi.
Ināʻoi aku ka nui o ka nui o kāu kālā ma nā waihona kālā, e nānā i nā koho pūnaewele no nāʻaoʻaoʻelua a me nā uniona kāleka . ʻAʻole kū like nā pae'āina ma mua e like me nāʻoihana brick-mortar, a ke hoʻohana nei lākou i ka nānāʻana i nā uku pānaʻi no kaʻike.
Inā hoʻoholoʻoe e hoʻololi i kekahiʻaha'ē aʻe aʻahaʻole paha, e pale i nā pilikia inā hoʻololiʻoe i kāu kālā. E hoʻohana i kā mākou papa helu no ka hoʻololiʻana i nāʻaukā e hana i ke kaʻina hana iʻole e hikiʻole.