Your software has protections, so use them. Turn on secure site software warnings. Read site privacy and security statements. Never use a site that doesn't protect you. Read the fine print.
Contracts often differ from promises and, in a dispute, the contract prevails.
So now's the time to share the wealth. Lots of people you know can join your credit union. The whole family. At many credit unions, neighbors and co-workers also can join. Once a member, always a member.