While you can't predict the future, Wanda Chambers, senior vice president of payment services at Suncoast Schools Federal Credit Union, believes in being prepared for it.

"Live one day at a time, but you have to keep your eye on the future," said Chambers, who has been with the $5.1 billion Tampa, Fla.-based credit union since 1995.

The latest Women to Watch recipient admits she only began to understand the differences and benefits of credit union membership when she joined the Suncoast Schools team. Like many, once she saw the good credit unions do she got hooked on the industry and has been a vocal advocate ever since.

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