ALLENTOWN, Pa. (4/25/08)--The Allentown Morning Call has outlined how a potential member might choose a credit union in its “How-To-Book.” It devotes a “chapter” to credit unions. Those who are looking to join a credit union should contact the Credit Union National Association through its website, www.cuna.org, or at 800-358-5710, the book recommended. Pennsylvania residents can look for a credit union using the Pennsylvania Credit Union Association’s website, www.iBelong.org. The book describes the difference between banks and credit unions, noting that credit unions are non profit, adhere to the pledge of “people helping people,” and work to serve their members. “Whether it’s providing a loan to help a member cover unexpected medical bills or simply offering a better deal on a used-car loan, credit unions make a difference for their members and the communities they serve,” the book said. They also offer better rates and terms than banks, the book noted. Jeff Albert, senior vice president and chief operating officer with Allentown-based People First FCU, which is a community-chartered credit union serving members in several counties, also is quoted. “We recognized that the local financial market was changing, as large banks entered the area, leaving no local financial service provider,” Albert told The Morning Call. “We wanted to be able to provide local credit union services to anyone in Lehigh Valley and requested a change to our field of membership. “A community charter was provided and now anyone who lives, works, worships or attends school in Lehigh or Northampton counties can join and take advantage of the low or no-cost financial services available at People First,” he said.