Last November, Bill Isaac and I parried in American Banker over the need for credit unions in this country. Bill believes that credit unions can simply become mutual savings banks with no loss of access or service to those that want and need it.

I've made the point that, because of our not-for-profit structure, we are able to provide access to affordable financial services for millions of Americans that banks are unwilling to serve. In the case of AT&T Family Federal Credit Union, they are textile and furniture workers.

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