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Lower interest rates: Credit unions are non-profit financial institutions, which means they are not focused on maximizing profits. There are several reasons why you might consider using a credit union for a personal loan. If you are looking for a lender that is committed to supporting local businesses and organizations, a credit union may be a good choice.

In conclusion, obtaining a loan from a bank can be a fantastic opportunity for individuals and businesses in need of financial support. It's generally a good idea to keep your credit utilization below 30%.

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