The story on the difference between credit cards issued by banks and those issued by credit unions in the July 13 issue was a clear exposition of the Woodstock Institute study on this subject. Terms and conditions are much clearer and hence fairer for cards issued by credit unions. But the article headline "Finally Sees Good in CUs: Longtime CU critic Woodstock Institute Finds CU Card Practices Better Than Banks" puzzled us. Your readers might not be aware that from its inception in 1973 to the present Woodstock Institute has been involved in the birth and development of credit unions. The reason the Institute is concerned that regular credit unions work more effectively to recruit members from lower- and moderate-income households is precisely because credit unions offer members a good deal. In our experience they offer members a better deal than banks not only in their credit card products but also in their share and share draft accounts and their emphasis on financial education. We want the whole community to participate in these benefits. Malcolm Bush President Woodstock Institute Chicago, Ill.