if you have reader's digest - you've already read it. but, for people who might be looking to get better rates without having an employer's credit union to join, there's
www.creditunion.coop (browse the links on the left)
at credit unions, which are nonprofit, earnings are returned to members in lower loan rates or services such as free checking. youwon't save on 30 years mortgages -but they have higher interest rates for deposit accounts and lower rates on loans. 'recently, the average interest rate on a cu money market account was .75 of a point higher than the bank average; the typical cu credit-card interest rate was nearly 3 points lower than a bank issued card.'