So, this year I finally learned the real world application of the importance between the cooperative mentality of a credit union and the cold, hard corporate mentality of a bank. I'll just leave it with the fact that it was an expensive class to take, but the lesson was learned for a lifetime. Credit unions in general are great for the individual, and ours is incredible. Among other advantages, our credit union offers two great things. Shared branching and Money Pass ATM's. And, guess what! There's an app for that.