F THE BANKS!
You'll get better interest rates on loans, better service, and lower fees. Online tech is behind but who cares? CUs are non-profits owned by their members and for that reason, they don't have to answer to wall street.
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Offer lower interest rates
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High savings rates.
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Emphasis on strong customer service.
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May have low or no-fee accounts and services for customers.
Cash. Tangible goods. I guess it makes sense for paying bills before it all falls apart.