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Here are some tips to get you started. Joining a credit union offers many benefits for the average person or small business owner. There are over 5000 credit unions in the country, with membership covering almost a third of the population. Unlike the really big banks, credit uni A credit union is a not-for-profit organization that receives deposits from its members and uses them to provide checking, savings, loans and almost any other financial service available at commercial banks. Unlike banks, credit unions are A credit union is a member-owned, non-profit financial institution. As a member, you'll have access to many of the same products as with a bank, but better A credit union is a lot like a bank, but with one big difference.