<prompt> Human: I know there are some perks at credit unions. Like taking a loan out at better rates and leniency on credit score, but what else? Whats the benefit of just having your checking and savings at a Chase Bank or Bank of America?  <response>: In a credit union, you are an owner. In a corporate bank, the shareholders are the owners.credit unions have fewer products and services but often at better rates since they are for the purpose of the members and not the shareholders. 