Yeah, I’ve lived in Germany and those are terrible. Most charge monthly fees.

Credit unions are nonprofit banks that are coops. Everyone who is a member votes on what to do with the excess revenue, which usually gets paid as dividends back to the members (everyone with a bank account) or gets reinvested to cover cool services like ATM refunds, free travel/phone insurance, etc.

Its curious that the ides of a credit union was born in Germany but their credit unions suck