What are some of the advantages to using a credit union over a traditional bank?

Question

Credit unions have lower interest rates on loans than traditional banks. 
Credit unions have higher interest rates on savings accounts than traditional banks. 
Credit unions have lower interest rates on loans and higher interest rates on savings accounts than traditional banks. 
Credit unions have higher interest rates on loans and lower interest rates on savings accounts than traditional banks. 

Answer 1

Credit unions have lower interest rates on loans and higher interest rates on savings accounts than traditional banks.