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The week's question
In March 2025, in the thread "Re: OT, out", Umm asked the members: "Do you think it is because America is made up of magical soil that makes businesses based in America magically profitable?" This week it is put to everyone again. The button below opens the small thread re-asking it - read what others have said so far, then give your own answer as an ordinary reply.
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Personal Finance / Retirement Investing
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Author: rayvt ✧☼🐝🐝  😊 😞
Number: of 1355 
Subject: Somewhat OT: DCU & 1st Tech CU to merge
Date: 09/30/24 3:03 PM
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DCU was originally Digital Equipment Corporation CU. When DEC went out of business the CU remained, named Digital Federal Credit Union (DCU).

DCU had really good auto loan rates. They pay squat on Savings accounts, but 6% on the first $1000. Awhile back they had a $100 bonus and 1.99% rate for refinancing a car loan from somewhere else.

First Tech CU also pays squat, but they have a credit card with ZERO fee for cash advance & balance transfer, and account opening bonus. They sometimes have an offer of no interest for 1 year on balance transfers.

Other than these bonuses, neither CU is worth having an account at.

I just got an email from DCU announcing the merge. I suspect that I'll close both account when they merge.
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This community has written 1,284 posts about Retirement Investing. The article-length ones it recommended most:
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Buying Treasuries Via Vanguard · 10 recs · 2023
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