I would continue to hold your own money if I was you. But to answer your question, Credit Unions are member owned, therefor when you put money in you are essentially buying in. I have accts at many banks (minimum balances) that I use for my CRH hobby. The banks are more impersonal and profit minded than the CU I belong to. HH MarkI've never been one to have someone handle my money for me so I've always wondered what the difference between a regular bank and a credit union is?