<prompt> Human: Hello,My credit union TechCU in the San Francisco Bay Area just sent me a letter asking to vote for or against it becoming a federally chartered, member-owned, mutual savings bank.I am not sure whether I should vote for or against. What do you guys think?Here are the resources Ive found:  <response>: I am not sure whether I should vote for or against. What do you guys think?ya, dont bother. It wont matter. My credit union did the same thing. 95 of people who voted, voted against it, but 70 of people didnt vote. Everyone who didnt vote was counted as a yes, and they did it anyway. It basically means you get less interest for your money, get higher interest loans, and the bank board and officers get higher salaries out of the deal.They are fucking you. Leave them now, and get anyone else you can to follow, you gain nothing and lose everything here. 