How to weigh the pros and cons of joining a credit union.
The main difference between credit unions and banks is that credit unions are nonprofit, member-only financial institutions, whereas banks are for-profit institutions open to anyone. In addition, credit unions were often created to serve specific regions, communities or businesses, so they are known for providing better in-person customer service at their physical branch locations.
However, fewer products doesn't mean less competitive offerings: Credit unions offer some of the best terms thanks to how they reinvest profits back into their products. If you don't meet any of the eligibility requirements, there may still be a chance you can join. Some credit unions allow you to become a member by joining a participating organization. This sometimes comes with a small fee, though the credit union might pay it on your behalf.
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