The polish helps seal in moisture so leather shoes don't dry out and crack. My husband's shoes are black, but I think the furniture polish would work just as well on white or colored shoes. And, you do not necessarily have to be a member of the sponsoring organization to be a member of the credit union. The credit union to which I belong has a list of more than 30 organizations whose employees may join. Relatives of these employees may be eligible to join, even if the employee does not.
Credit unions offer the same types of internet and phone access as other banks.
Deposits are insured. And some credit unions do not charge ATM fees to people who are members of network unions. To stretch the clothing budget, consider what you can do with the past season's clothes to make them different for next year. It's black with a small beige print. I plan to sell the top at the flea market, or give it to Goodwill, and find another top in black or beige to go with the still-good skirt.