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Avoid New Debit Card Fees: Switch to a Credit Union

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Vehicles as low as 3.19% APR*  
Certificates of Deposit as high as 2.20% APY**
Money Market as high as 0.85% APY**
HELOC as low as 3.25% APR*  
30 Year Fixed as low as  3.875% APR*  

*Annual Percentage Rate
**Annual Percentage Yield

Do you prefer to use credit or debit cards--and why?

 I use my credit cards mostly, because I need my checking account to live on and pay my bills, including the credit cards themselves.
 I prefer to use a debit card. I don't want to get myself into debt. I know how to manage my checking account wisely, and not spend too much on unnecessary things.