Many people are switching from banks and trying out credit unions. The reason is that credit unions usually have more benefits than banks do and some people say that credit unions are more hospitable. Anyone can join a credit union but the type of credit union you join depends on your eligibility. Eligibility can be based on your church, employer, school, location, or family. Credit unions aren’t the same as banks so it’s best to look up your local credit union and see all the features they have. Joining is easy and all you have to do is fill out a membership application and sometimes they have a membership fee. If you already have a bank account, some credit unions offer a switch kit, which helps you transfer your funds.