<prompt> Human: My car is on the fritz and we have had this car since 2008 and it has about 230,000 miles on it. We have put so much money into this car that Im ready to look for another one. However, I do not know where to begin. My dad said that I need to go to a credit union and maybe one specifically for teachers which I am but I do not know what to bring or really, what they do. Any advice would be awesome!  <response>: The bid difference between a Credit Union and a Big Bank is that a Credit Union is owned by its depositors. So once you deposit money youll own part of the Credit Union. As a result the bank offers loan with lower interest and savings accounts with higher interests. You also have the benefit of keeping the money locally and not having to deal with big bank schemes like accounts magically opening. 