Credit union values aren't in profits; they're in people. And that translates to significant contributions within the communities we serve. For example, credit unions lead the nation when it comes to branches operating inside schools – a way for young people to learn to use financial products (such as credit cards) responsibly. As part of their community efforts, credit unions also reach out to people with low incomes, new Americans and people who lack a relationship with a financial institution to offer an affordable alternative to predatory financial providers, such as high cost payday lenders.