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Is it fair to say that credit unions have a very competitive situation compared with that of commercial banks?
They are able to give higher interest rates and lower loan and credit card rates to their customers. They have lower fees. They have the ability, obviously, to do customer-focused banking. They have lower fees, better service, and more flexibility to be more competitive with the larger commercial banks—which obviously can't do that. Isn't that fair to say? I'm relating to a website here called “Money Crashers”, which talks about credit unions versus commercial banks. Wouldn't that be fair to say?