People believe credit unions care more about their customers than banks do, but banks are still getting their business, possibly due to widespread perceptions that credit unions have skimpy offerings, according to new data from Harris Poll. 

The study, commissioned by Basking Ridge, New Jersey-based Affinity Federal Credit Union, surveyed more than 2,000 U.S. adults online from February 27 to March 1 of this year. It found that 61% of consumers think credit unions care more about members than banks do, but only 16% of consumers actually use a federal credit union as their primary financial institution. 

The study also found that fewer than half of Americans (42%) think credit unions offer mortgages, and only 45% believe credit unions offer mobile or online banking. About a third (29%) said it's hard to find a credit union they're eligible to join. Overall, nearly half of the respondents said they think banks offer more products and services than credit unions.