As not-for-profit, credit unions return profits to members in the form of better rates, fewer fees, and more financial services. At a credit union, you're a member, and you're also an owner. By putting your money into the credit union, you ''buy'' a piece of the cooperative model. Access to your money is easy and surcharge-free at member ATMs.
In the credit union model, when you get a loan from a credit union, the interest allows the credit union to make more loans to other members. But the credit union isn't trying to make as much as possible from the transaction. It's just trying to make enough to keep the credit union healthy.