Big banks might seem like the obvious winner when it comes to convenience: They have more bricks-and-mortar locations in more cities than small banks and credit unions. But it can vary significantly from city to city, while credit unions solve the problem through shared branching , allowing members of one credit union to access financial services at other credit unions, such as in the CO-op financial services network.

Compare Dealer vs Bank Car Loans. Many consumers think that negotiating is over at this point, and they forget that they can negotiate financing as well . First of all, you have a choice. You can choose to finance through the dealer, or you can choose to finance through your bank.

Big Bank vs. Small Lender: 5 Reasons You Should Shop Small. When it comes to home financing, bigger isn’t always better. In fact, when it comes to a home mortgage, the big guys can leave you and your wallet feeling much smaller.

 · Beware the man behind the curtain, but if trust in your lender’s rep is the result of your vetting process, chances are you have chosen well. Gallery: 10 Things You.

If ownership is not important to you, just go with whichever has the best deal and remember that you can keep multiple accounts open at both banks and credit unions. When you need a loan, get quotes from several different sources, including at least one bank, one credit union, and one online lender .

Big Banks – unless you are a high net worth individual or do your business banking with a big bank, the big bank’s service may not be as personalised as a smaller lender. The advantage of a big bank is that they offer the convenience of a branch network and have more resources & staff members to help you with your banking needs.

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Community vs. big banks. Yet, they’ve also endured challenging times because of commercial loan weakness. In 2010, the number of community bank failures peaked at 157, according to the ValuEngine Quarterly FDIC (Federal Deposit Insurance Corp.) report. Fortunately, the failure rate is slowing. Only 92 community banks failed in 2011 and 51 in 2012.