f8791bf7_World_Council_of_Credit_Unions__Commercial_Banks
[0] Clientele [Credit Unions] Members share a common bond, such as where they live, work or worship. Service to the poor is blended with service to a broader spectrum of the population, which allows credit unions to offer competitive rates and fees. Target low-income members/clients, mostly women, who belong to the same community. [Commercial Banks] 
Typically serve middle-to-high income clients. No restrictions on clientele.
What is a Credit Union? | World Council of Credit Unions
Commercial Banks