BOSTON (3/27/09)--Credit unions have become excellent alternative to banks, says the E-Commerce Journal in an article entitled, "Credit unions vs. banks. Your choice!" The March 26 article says that credit unions offer similar products and services as banks, offer better terms and conditions for loans, and have several fundamental differences. It urges readers to learn more about them to make a more educated choice. The article then outlines the differences in structure, membership and membership eligibility, and how the structure benefits members with lower fees and better rates. It also explains credit unions have their own federal deposit insurance that is "as safe as deposits in FDIC insured banks." And it makes the points that credit unions' conservative lending policies have helped them avoid much of the subprime and credit crises. For the entire article, use the resource link.