The term "thrifts" refers to financial institutions that focus on accepting savings deposits and making loans. Specifically, it typically includes the following:
- Credit unions
- Mutual savings banks
- Savings and loan associations
Thus, the correct selections from your list would be:
- Credit unions
- Mutual savings banks
- Savings and loan associations
Commercial banks and checkable deposits do not fall under the definition of thrifts. Commercial banks are more generalized financial institutions that offer a wider range of services beyond just savings and loans, while checkable deposits refer to a type of account rather than a specific financial institution.