People who don't belong to credit unions don't know what they are missing.
What exactly is a credit union? It is non-profit, first of all. It exists to serve its members and its community, second of all. You can save a lot of money by joining, third of all.
Many credit unions now allow you to belong by living, working or even worshiping in the community they serve. It isn't like the old days when you had to hope your employer offered one.
One credit union I would love to join is Alternatives, in Ithaca. I don't want to single any one credit union out, but their philosophy meshes with a lot of my beliefs. Of course, if what Alternatives stands for turns you off, there are many credit unions out there with a more general philosophy: service to their members. And they do mean service.
I belong to two credit unions. Much of my business is with one of them, and I stay because the level of customer service is exemplary.
However......there is a certain amount of marketing going on with some credit unions, that I feel is not totally within the credit union philosophy. My last post, and my next post, talk about that.