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Between the ages of 13 and 19, teens begin to make more of their own decisions – everything from what clothing to buy to which college to attend. Unfortunately, credit unions aren’t always on the winning side of teen independence.

My own experience is a perfect illustration. A legacy member, I never questioned my family’s credit union membership until I got a job at a mall. One of the megabanks had a branch next to the store where I worked, so out of convenience, I left my credit union to open a checking account with the megabank.

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