Are you torn between the convenience of a fintech app and the personalized service of a credit union? In this episode of the Perfect Cents Podcast, host Alex Becerra is joined by Marcus Webb, Branch Manager at SAFE Credit Union's Granite Bay location.

With over 24 combined years of experience, they break down the shifting financial landscape—from the rise of "niche" apps like Rocket Money and Chime to why having a face-to-face relationship still carries immense "intangible value" in a digital world.

Topics include:

• Defining Fintech: Why younger consumers are drawn to specialized, one-dimensional digital tools.
• The "Data Point" Problem: The difference between being a member of a community and just another entry in an algorithm.
• The Credit Union Philosophy: How not-for-profit institutions prioritize the person over the profit.
• Life's Milestones: How a dedicated financial partner helps you navigate buying a first car, planning a wedding, or starting a family.

About the Guest: Marcus Webb is a veteran in the banking industry with 12 years of experience. He currently serves as the Branch Manager for the SAFE Credit Union Granite Bay branch, focusing on community-based growth and member success.

SAFE is federally insured by NCUA and is an equal housing opportunity lender.

Community & Local Favorites:

R-Vida Cantina

To check out the resources highlighted in this episode visit the links below.

To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

To contact the podcast team, email [email protected]