*Credit-union networks function as a statewide and national branch bank, allowing withdrawals and deposits to virtually any other credit union, without hassle or charges. If you belong to one, you can use the services of all.
*The full complement of bank loan services, including personal loans and mortgages. Some larger credit unions also offer business loans and accounts.
*Free financial education workshops on popular topics such as budgeting, wills, home buying, retirement investment and small business issues.
*Refunds on ATM charges when using your credit union debit card at any commercial bank. Amazingly, this often includes full refunds on international ATM fees from foreign banks.