Well Banks are for-profit organizations and Credit Unions are non-profit organizations, which is why they can offer better rates on loans. Credit Unions are also member owned as they get their operating funds from shares which are bought from members themselves. I cannot recommend any particular Credit Union for you because it all depends on your location of residency. You have to open a account at your local Credit Union. If you live in one state, you cannot open a CU account in a different state. Every Credit Union has different criteria for membership. Look for a Credit Union in your town or city and talk to them about rates. Don't just apply for loans unless you are sure about it because Hard Inquiries does affect your credit score.