The Courier News out of Chicago recently wrote a story about the evolution of credit unions. While I should spend a second debating the included statement "credit unions can offer these [more favorable] rates because Congress exempted them from federal income taxes" (the truth is, we offer better rates because that's what we are in the business of doing - our members are our owners), the article was very pro-credit union. Specifically, the story maintains that "if you haven't been able to join a credit union before, you might be now". The truth of the matter is most Americans can (and should) join a credit union. The story's research states that credit union members earned .70% more on money market accounts and 1.4% on new car loans last year as compared to bank customers(a Datatrac study is cited). We have all seen similar studies with similar results, but the quick and dirty of it is - join a credit union. With all of that money to save, what are you waiting for?