Credit unions traditionally serve groups with a shared bond, such as workplaces or local communities. While their size and scope vary, their ethos remains consistent — members have equal voting power, fostering fairness and accountability. This contrasts with shareholder-driven banks, as Credit unions prioritise reinvesting profits to benefit members rather than chasing returns for external investors.

Credit unions generally have limited exposure to fossil fuels, largely because regulations restrict them to low-risk holdings such as member deposits and, in some countries, government securities. This varies by region, and members have real power to shape their Credit Union's climate policy. If you are a member, ask about any fossil fuel exposure and push for exclusion policies, emissions reductions, and proactive climate measures.