SO, WHAT'S the difference between a bank and a credit union, anyway?
The biggest one is this: Banks are what Steve Martin's character in "The Jerk" famously called "a profit deal." A substantial share of the income they make goes to shareholders, and executives who create large profits are typically rewarded with high salaries and a big bonuses.
Credit unions, which historically have been created for affinity groups like employees of a company or union members, don't have shareholders. Income stays within the institution to benefit the members, often in the form of more favorable interest rates on loans and deposits.