Why would you want to be a “customer” when you could be a “member”? When you use a bank for your finances, you are a customer that answers to shareholders. When you use a credit union for your banking, loans, and mortgages, you are a member who reaps the benefits of any leftover profits. Credit unions offer lower interest rates on loans and higher rates on savings accounts. They have a lower annual cost than banks and do not charge you to utilize online bill pay. Find out more about the benefits of banking with a credit union in this infographic from Westmark Credit Union.