<prompt> Human: Im asking this because i was recently inside a credit bureau building speaking with some of the upper level staff who run the place. They told me how they were a credit unions credit union and how credit unions were still beholden to the financial system dictated by banks.Is that true or am I off the mark here. Im asking because I dont want to waste my time with small, upstart credit unions if at the end of the day Im still playing by the tune of a big bank.  <response>: If you mean. Are their actions denominated in a currency managed by a central bank? Then, yes. 