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One differentiator of credit unions to other financials is the boards are made up of volunteers.

That’s good and bad. It’s good because directors are credit union members and ideally they are looking out for their fellow members with any decisions they make. Big banks on the other hand often bring in high-profile leaders who are well known in business and may be more interested in driving profits, rather than getting the bank’s customers the best deal. Then again, business leaders can also bring innovative perspectives that the average credit union director might not.

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