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Credit union advocates point to positive poll numbers among consumers: 89% of credit union members said their financial well-being has improved, according to recent data compiled by America’s Credit Unions, a political action committee.

Consumers can also wield power by choosing financial products, especially through credit unions, that are more consumer friendly.

Most banks or credit unions charge an early withdrawal fee if you take money out before your terms are up.

“We are there to help protect people who use credit cards,” he told an appreciative audience of credit union executives.

If you’re just trying to get your money in order and stay on top of day-to-day expenses, a bank or credit union probably has everything you need.