Although you will not qualify for this at the moment, this is another financial institution that acts like a bank. It’s called a Credit Union. These are non-profit financial institutions owned and operated by its members. Groups forming credit unions may be employees of a company, a labor union or a religious group. They offer a wide range of financial services including saving and lending. You must be a member of the company or union in order to take advantage of their services. These groups may pay higher rates on deposits and charge lower rates on loans. Federally chartered credit unions are regulated and insured by the National Credit Union Administration. To locate one click on the following link: http://www.creditunionsonline.com.