No. While members clearly benefit from the affordable financial services, money management education and personalized service that credit unions provide, companies also gain by offering a credit union benefit to their employees. This increases a company's marketability and helps employees gain access to financial services that they might have been unable to obtain elsewhere. In the end, credit unions benefit all consumers — members and non-members alike. Credit unions provide the economic benefits of capital investment and help local capital pools serve local communities. Credit unions also benefit all consumers by continuing to provide rate competition and an overall choice for financial services in the marketplace.