This article says it all!
I have personally used Credit Unions for loans and savings accounts. They offer lower interest rates on loans with excellent consolidation and generous terms. Credit Unions are relatively easy to join (where your work, live or if you belong to various organizations).
Spending Smart: 10 things you should know about credit unions | Business News | ArcaMax Publishing
Spending Smart: 10 things you should know about credit unions
Gregory Karp, Chicago Tribune on Published in Business News
https://www.arcamax.com/business/businessnews/s-1628615?print