Have you seen the article in the ‘Money’ section of the Telegraph today (21 April)? They mention that the TSB is offering a 23.4% APR rate for a loan of £3,000. IF you are in work and have a good credit rating, the credit union can offer a rate of 12.9%. They also mention that the TSB is offering a rate of 9.9% for loans of £5,000. IF you are a homeowner, the credit union can offer a rate of 4.9% APR. Who said credit unions were just for poor people? Click here for more information.