[BigV]

Another thing... you might wonder why this great deal .. you might think it's too good to be true. Why haven't you heard of it. Because since they're not a for profit outfit, they don't really bother with too much advertising. Compared to the big banks, which advertise a ton. "Your life will be better with a Chase card!!!!!!" etc etc.

The banks need to advertise to get your attention to get your money.

The credit unions don't. They don't need to "grow" like the banks do.

A good analogy might be McDonalds versus your mom's home cooking. McD's is a giant business and you can get fed there, your money goes to the business, including some profit. Mom can also feed you and there are costs involved, but she doesn't need to advertise, she is happy with the size of her operation already. You still get fed. But you don't pay extra for someone else's profit.