WASHINGTON and NEW YORK (12/27/07)--Major media outlets are turning their financial focus to 2008 and offering consumers advice. Two well-known media--Dow Jones News Service and The Washington Post--have included credit unions in their suggestions. In The Washington Post (Dec. 23), a financial adviser tells about a woman who earns $44,000 a year and wanted to pay off $4,500 on her credit card plus save at least three months of her living expenses, but who was thwarted in her goal when her 15-year-old car died. Among the suggestions: Figure out what she could afford in a car payment every month and "join a credit union." "Credit unions typically offer lower auto financing rates than banks or dealers." She joined a credit union and was approved for a 48-month loan at 5.99%, "much less than the rates quoted by her bank." In Dow Jones (Dec. 26), columnists Gail Liberman and Alan Lavine told "How to Reap Greater Benefits from Your Bank in 2008." Among their tips: credit unions "tend to be cheaper" in ATM fees; protect your online account by using a credit union or bank with a good record of reimbursing accounts; and "Credit unions often have lower rates than banks on car loans and other types of loans." Liberman and Lavine also suggested a website--www.creditunion.coop--for consumers to use in locating a credit union.