While incentives to join a credit union can be tempting, the final decision often lies in a person's daily banking behavior. Most credit unions charge members to use their automated teller machines to cover maintenance costs. Likewise, most credit unions don't have large ATM networks, although a number of credit unions are forming no-surcharge alliances among themselves. Some people will look beyond the lack of ATMs, just to have the better savings and credit card rates. In good times , credit unions share the wealth.
Credit unions lose membership battle with banks.
Credit unions post a win in Congress . Bankrate Inc. All rights reserved.