NEW YORK (10/4/11)--Credit unions are among the options low-income consumers without a financial institution have to avoid the steep cost of payday lenders, according to a Thursday article in USA Today. The article, “Low-income borrowers get options beyond payday loans,” mentioned Micro-Branch, which is a combination check casher and credit union, which was started in California last year to serve unbanked families. The credit union, Self-Help FCU in East San Jose, Calif., launched a Micro Branch for many unbanked Latino families in the area who rely solely on check cashing. Self-Help not only offers less costly check cashing, but also encourages members to begin saving money in a credit union account. To read the article, use the link.