NEWARK, N.J. (9/24/08)--Those who want to own part of a financial institution without buying its stock should look at credit unions, according to Alky Danikas, lecturer of finance and economics at St. Peter’s College and “Money 101” columnist for The Jersey Journal. He encouraged readers to find credit unions within their fields of memberships, and compared their rates with those of banks. As of Thursday, the top 50 credit unions surveyed by Bankrate.com were charging 12.97% interest compared with the national average of 14.88% on credit cards. Credit unions also were paying 4.3% on certificates of deposit, compared with 3.94% by thrifts and 3.33% by banks, he said (The Jersey Journal Sept. 22). For the full article, use the link.