<prompt> Human: 25, stable job, no student debt. I want to switch from my credit union to Charles Schwab. I wanna put some money into Charles so I can start buying stocks and what not. I also plan on buying a 12,000 car in a couple months. I heard a lot of good thing about Charles, more pros then cons. I also travel overseas often.  <response>: You can just open a brokerage account. You dont need to switch anything if you dont want. Your credit union is probably better at some things like car loans and Schwab is probably better at others like buying mutual funds. 