Credit unions want to earn your business, too, and since the government takeovers of banks, credit unions have seized the opportunity to prove themselves as “the good guys.” Credit unions were founded on the principle of people helping people, and these days that means they empower members to make smart financial decisions — besides the higher dividends, lower loans rates, fewer fees and other benefits.

Small credit unions in particular are nimble enough to adapt quickly to their members’ changing needs. The recession spurred a new trend in thrift, and credit unions such as Tinker Federal in Oklahoma City have seized this opportunity to launch Buck the Norm, a blog that encourages college students and recent grads to save despite our culture of spending.

Of course, credit unions can’t just talk about saving — they have to provide products that make it happen. The Piggy Bank Certificate, which is offered at an Arizona Credit Union, is a certificate with a low minimum balance of only $500, and you can contribute $25 or more each month. Most credit unions are capable of automatic transfers, so products like these are great for starting and reinforcing savings habits, especially for kids.

You can often get better rates just for having several products at the same credit union. Most offer a relationship rewards program.  More importantly, credit unions offer the same protection as banks do. The National Credit Union Administration (NCUA), similar to the FDIC, guarantees your deposits for up to $250,000.

To find a credit union in your area, visit www.findacreditunion.com and you’ll probably find one with the right products for you.