WASHINGTON-The credit union spirit of people helping people, which Evan Clark first spotted 27 years ago, will not have disappeared in 100 years. "I think the service that we provide members and the personal touch will be there," said the CEO of the $220-million Department of Commerce FCU here. "That's the basis of the credit union movement and I don't think we'll ever lose that."

FAIRFAX, Va.-If credit unions continue to "sit on the sidelines" and don't "get into the game," the industry may not be around in 2109, warns one national branding and marketing consultant.

PORTSMOUTH, NH.-Black Friday Bargain Hunters added an unusual retail outlet to their list of destinations this year: Service CU, which offered post-Thanksgiving shoppers specials on gift cards, credit cards, CDs and more.

CINCINNATI-The consolidation of the industry by 2109 will likely have members accessing many fewer locations, with each branch offering the chance to bank with multiple credit unions.

SAN DIEGO-Imagine a credit union just for motorcycle enthusiasts, or one for people who smoke cigars.

GLEN ALLEN, Va.-Walk into a credit union branch in 2109 and you won't see transactions taking place. Instead, skilled financial advisors will provide a great deal of money counseling.

IRVINE, Calif.-With financial services becoming much more of a commodity in 2109, CUs may evolve into organizations that do not even provide products.

WEST MIFFLIN, Penn. Small credit unions will have their place in the movement in 100 years, as long as they are full-service institutions.

ARLINGTON, Va.-Turmoil in the current financial systems will only make credit unions stronger by 2109, according to NAFCU President Fred Becker.

LOMBARD, Ill.-Noting it's difficult to predict what CUs may look like even 10 years from today due to advancing technology, Bill Handel stepped into his time machine and said when he walked out 100 years later, he didn't see any credit union branches.

GLASTONBURY, Conn.-A high-tech society will fit right into CUs' sweet spot in 2109.

WEST PALM BEACH, Fla.-While this issue looks ahead at the next century for credit unions, throughout 2009 Credit Union Journal has sought to pay tribute to the 100th anniversary of credit unions in the United States.

SAN DIMAS, Calif.-Every credit union location will be a shared branch in 2109, predicts Financial Service Centers Cooperative President Sarah Canepa Bang.

CUs Add Card Capacity While Banks Subtract

PLEASANTON, Calif.-The heavy emphasis on compliance and risk management today will shape the face of the credit union industry in 2109.

VISTA, Calif.-While not going as far as to predict we'll see Jetsons-like flying cars in 2109, Hal Tilbury sees credit unions becoming highly advanced and technologically savvy, leveraging cloud computing and having members perform transactions from devices within their cars.

DEARBORN, Mich.-Credit unions will be around in 2109, providing the same personal financial service that members have become accustomed to over the last 100 years, according to Mark Shobe.

MADISON, Wis.-Mark Meyer, executive director of the File Research Institute, knows he's "taking a leap" with his prediction that credit unions will be "young, hip, and cool" 100 years from now.

INDIANAPOLIS-Consumers are looking for financial advice in as many media as they can find, and FORUM Credit Union here is doing its best to meet that need.

PALO ALTO, Calif.-As consumers become more disconnected from branches, Addison Avenue FCU is increasingly leveraging several different social media, including Twitter, Facebook and customized forums on its own website to help members with money management.