Credit union members still aren't particularly optimistic aboutthe economy and their personal finances.

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According to the latest Discover U.S. Spending Monitor, 59% ofcredit union members believe the economy is worsening and more than53% now believe their personal finances have worsened.

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In addition, 50% of credit union members report they will havemoney left over after paying their bills, representing a five-point drop from August.

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Consumers belonging to credit unions experienced a significantdrop in confidence over thepast year, with 69% now rating the economy as poor, compared to56% a year ago. According to Discover, that figure is the highestsince opinions of credit union members were recorded by theDiscover U.S. Spending Monitor and mirrors the attitude of thegeneral public.

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Credit union members' spending plans seem to also be on par withthe general population with nearly 39% planning to spend more onhousehold expenses next month. In addition, 15% report they willspend more next month on household improvements and only 8% plan tosave more next month.

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