Both offer similar services:

• Checking/savings accounts
• Home and personal loans
• Auto loans
• Physical or strictly online

Credit Unions Operate Differently:

• Member owned Co-op
• Members are associated
• Return profits to members via lower loan rates and higher savings rates

• Safety (FDIC/NCUA Insurance)
• Protects from financial institution failure
• Insures up to $250,000 per depositor
• Covers deposits accounts, 401ks, IRAs, Trusts
• Using multiple institutions maximizes insurance
• Cost ATM Fees (Deposit, Withdrawal, Balance Inquiry)
• Minimum Balance Requirement
• Fees
• Returned Check Fees and Overdraft (NSF) Fees
• Monthly/Annual Fees
• Annual Percentage Yield: The simple annual percentage yield that converts deposit account interest rates compounded for different periods into comparable annual rates. Compare different deposit account APYs at bankrate.com

As you start your college career, it’s important to start thinking about choosing a bank or credit union to house your money. There are a lot of factors to consider. There is no one right bank account for every person. Choosing the right bank starts with knowing your bank usage and individual preferences.

Top things to consider when choosing a banking institution:

• Security of your funds
• Online banking features
• Fees
• Minimum balance requirements
• Ease of deposit
• Branch availability
• ATM fees
• Customer service
• Interest rates
• Availability of funds
  
  

With a little consideration for your banking habits and needs, you can find the right bank account at the right price. Our Campus+ Partners are here to help you make the best decision for you. Check out what Aggieland Credit Union and Wells Fargo have to offer you.

Money. Everybody is talking about it, thinking about it, and most of all, everybody is stressing about it. But there’s good news, by taking control of your finances now, you are setting yourself up for success throughout college and beyond! This is no longer time for mom and dad’s financial plan for your life, it’s YOURS! As the official credit union of Texas A&M University, Aggieland Credit Union helps save YOU money, by offering truly-free checking accounts, financial education resources, and member discounts. Plus you have the opportunity to take control of your money in the short and long term. As a bonus, when you have your checking account with Aggieland CU, you are automatically entered into our Tuition Takedown Giveaway with a grand prize of $5000*.

Dropping Some Financial Knowledge

1. Set your mind on the prize. Start thinking long-term. What are your financial goals for the next 10-20 years of your life? You may not be taking direct steps to achieving those goals yet, but the mindset with which you use your money will have far-reaching effects and keep you from taking out unnecessary debt.
2. Make a budget. Creating a plan will help you stay on track financially. You control your money, your money does not control you. Make decisions ahead of time about where your money is going to go, and stick to those decisions. Need help creating a budget? Use our free online budgeting resources,
3. Pay yourself first! Saving even a small amount each month is going to have a huge effect. You create good saving habits, and you will graduate college with money in the bank!
   
   

Debit Cards

Get one of 4 custom Texas A&M and Aggieland CU Debit Cards to have access to your money at all times. With free ATM access in the Bryan-College Station area, across the state at 7-Eleven and Stripes Stores, and throughout the nation. As an added benefit, each use of your Texas A&M debit card gets you an additional Tuition Takedown entry! Stop by one of our 4 convenient locations to open an account, or visit us online at, Aggieland Credit Union.

*Tuition Takedown is a yearly giveaway of $5,000 awarded to a full-time Texas A&M University student. See full terms and conditions online at https://www.gtfcu.org/student/tuitiontakedown.

As a college student, establishing healthy money habits, including learning how to create a budget, using tools to help you stay on track, and consciously working towards establishing credit, will help you create a strong foundation in college and in life. Wells Fargo’s CollegeSTEPS® provides guidance and resources to help students build personal finance skills so you can manage your money with confidence. With tailorable content specifically to help you learn how to pay for school, manage your money, build credit, and more, start your journey at wellsfargo.com/collegesteps today, and be sure to subscribe to stay connected throughout your college career. Get a head start showing your Aggie pride, with an Aggie Bucks Unlimited Debit Card.

Texas A&M University College Station and Wells Fargo have teamed up to offer you optional banking convenience with the custom-designed Aggie Bucks Unlimited Debit Card, exclusively for Aggies. Use it for your day-to-day financial needs when it’s linked to a Wells Fargo checking account. More details here: wellsfargo.com/tamcs. The Aggie Bucks Unlimited Debit Card is a Visa® Debit Card issued by Wells Fargo Bank, N.A. and is a Wells Fargo Campus Card.

Wells Fargo may provide financial support to Texas A&M University College Station for services associated with the Aggie Bucks Unlimited Debit Card.

*Campus+ Collaborates with senior leadership to pursue innovative, best-in-class university partnerships that align with Texas A&M’s mission and enhance our ongoing commitment to provide everyday service needs to our campus community. Brand alignment, student-centric programs, and campus impact are our guiding principles, setting the foundation for compelling relationships that unlock and grow programs support.