Banks and Credit Unions... (choose all that apply)

A. ...are very similar. They offer the same products and services. What makes them different is the way in which they are legally organized.

B. ...have similar interest rates. However, credit unions often have higher savings rates (better) and lower loan rates (better) than banks.

C. ...are different because credit unions cannot issue ATM and credit cards, making it inconvenient to access your funds.

D. ...are very different. Most people cannot join a credit union.