Idk about other countries, but in the USA, they are not for profit, which means that they are not trying to sell you on services and loans you don't need. Fees and interest rates tend to be lower because they are charging them to cover costs, not to gain profit. Any money that a credit union makes over costs is reinvested into the credit union, either via lowering rates and fees, hiring people, expanding locations, or offering new services.

They are still federally insured, and most belong to a shared ATM system.

Source: worked for a Credit Union.

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C’mon King, join the union. There’s cookies and coffee waiting for you.