Credit unions are popular alternatives to banks. They are owned, in effect, by their depositors. Without corporate profits or shareholders to worry about, credit unions can offer higher interest rates on savings accounts and charge lower rates for mortgages, auto loans or other financial help.
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Another thing Credit Unions don’t have to worry about? TAXES! Credit Unions are a dinosaur, they should be held to the same standards as commercial banks.
Who are you, Joe "Patriotic to pay taxes" Biden? I take it you are opposed to free associations among US citizens.