In many ways, credit unions are just like regular banks.  They
offer checking and savings accounts, loans, credit cards, and
all the other financial products you’d expect, but there’s one
characteristic that really sets them apart: the people who
profit.  Credit unions are not-for-profit, and every member is
also an owner.  Consequently, it’s the members, not bank
executives or shareholders, who reap the benefits of a credit
union’s investments.  Those benefits can most clearly be seen in
credit unions’ lower loan rates, higher savings rates, and lower
fees. But the credit union difference isn’t limited to monetary
savings.  In addition to providing excellent customer service,
many credit unions give back to their local communities in a
variety of creative and generous ways.  Some work to promote
economic and social justice by reaching out to low-income, rural
and at-risk populations.  Others provide free financial
education services to adults and children. And that’s just the
tip of the iceberg. Here are som