It's unfortunate that most people in the United States may lose the right to join a credit union. I currently belong to one; however, once the change is made, if I move to another location, I may not be able to belong to one any longer, and my children or their children may not have the same advantages I have enjoyed.

My experience with banks is it is more difficult to get a loan from one, and they charge more for loans, too. They pay less interest on savings, they nickel and dime you by charging you for writing too many checks, for using the teller too many times and even for using the ATM machine too often.The banks are fond of saying that people shouldn't be able to join a credit union unless they have a common bond. For most working people, this means that unless one works for a large company, then one can't join a credit union. Why should most workers and their families be barred from joining unless they happen to be fortunate enough to either work for a large company or have a family member who does?

Shouldn't the rest of us be able to have the advantages of a credit union, too, if we choose? As for the argument that credit unions ought to pay taxes if they allow anyone to join, this doesn't make sense either because credit unions are nonprofit. In this country, all nonprofit organizations are allowed not to pay taxes. Why should credit unions be different?

I sincerely hope our elected representatives on the state and national level will help to protect our rights on this important issue.

Curtis Blanco