Bankers have gone to court, trying to limit consumer access to credit unions and take away the right to affordable financial services. If they succeed, you will:

Pay more fees. Credit unions charge fewer and lower fees than banks do for the same products and services. That's because credit unions price services to cover costs. Banks on the other hand, tend to charge fees to cover costs and make a profit to benefit stockholders.

Pay more for credit. Credit union credit card rates average nearly five percentage points lower than credit card rates at banks. Other loan rates, as well typically are much lower than those at banks.

Earn less on savings. As non-profit cooperatives, credit unions return operating income to members in the form of lower loan rates and fees, and higher savings rates.

Experience less personal service and attention. Credit Unions continue to top banks and thrifts when it comes to overall customer satisfaction. For 13 straight years, the American Banker's annual consumer satisfaction survey has reported credit union service is No. 1.

We're fighting to keep credit unions an option for all consumers. Seventy-five members of Congress — from both parties, and an independent— support "The Credit Union Membership Act," and are working to enlist co-sponsors. HR 1151 says federal credit unions can serve more than one occupational group as long as each has its own common bond. Join us in telling our members of Congress you support HR 1151.