Hi, Yes, credit unions are handy for loans but I fail to see why they cannot charge much less interest than banks whose main concern is to make as much profit as possibe. I thought that we, credit union members, were running the show ,so why dont we give ourselves good dividends or cheap loans instead of ploughing millions into state of the art buildings and trying to ape the financial institutions. Come to think of it, did we squander millions with some failed computer system or other?