Offer your thoughts or opinion on the input financial query or topic using your financial background.

Am I “cheating the system” by opening up a tiny account with a credit union and then immediately applying for a huge loan?
Credit Unions turn a profit by lending money at a higher interest rate than their savings do, just like banks do. It is an amoral feat, completely parallel to any moral weights you have assigned to "the system". If the most favorable circumstance is you receiving access to capital, then you can easily achieve that with zero reservations about the system that granted it to you.