I'm a member of a credit union and I love it. There's no better way to stick it to the big banks than to move your business to a cute little quasi-socialist credit union. When you join a credit union, you own a part of it. Credit unions are member-owned so they provide better service and lower interest on loans. I don't have any loans from my credit union; I only have deposits, but one day if I need a loan, I know where to go. I get paid competitive dividends on my share account. When I want to spend money and don't want to use cash, I can write a share draft or use my debit card to pay out of my no-fee share draft account. Furthermore, if your credit union goes under, your shares are insured by the National Credit Union Administration up to $250,000.