What is the point of credit unions when normal banks offer better interest rates?

Here is an example of a good one:

http://en.wikipedia.org/wiki/Digital_Federal_Credit_Union

Employee Benefits[edit] DCU's more traditional employee benefits include paid annual and sick leave, medical and dental benefits, short-term and long-term disability coverage, life insurance, and tenure awards. DCU matches employee 401(k) contributions, dollar for dollar, up to 6% of the employee's salary. DCU will advance money for tuition reimbursement before courses begin to encourage greater participation. DCU provides career development counseling and extensive ongoing training programs for employees at all levels. Community involvement and social responsibility[edit] As a socially responsible organization, DCU is committed to partnering with other organizations that make a difference in the communities they serve. Their primary charitable initiative is directed towards supporting programs that provide a health, welfare, or social service for children; or provide educational programs or services that primarily benefit children. In 2013, DCU made charitable donations that total over $2,000,000. To be eligible for funding from DCU, organizations must meet the following criteria: Be a registered 501(c)3 organization Serve a community in which DCU has a physical location or a large concentration of members Provide a health, welfare, or social service for children; or provide educational programs or services that primarily benefit children To further complement the charitable efforts of the organization, DCU incorporated DCU for Kids in November 2005, a non-profit charitable foundation for distribution to deserving causes and charities benefiting children and families. Organizations that have benefited from DCU include: Adopt-A-Classroom Boys & Girls Clubs of America The Boomer Esiason Foundation American Red Cross Children's Hospital Boston The Jimmy Fund – Dana-Farber Cancer Institute

/r/personalfinance Thread