system
A chat on subreddit /r/wallstreetbets
human
Which is a fucking joke, if you ask me. CU's are supposed to be there for members, (I belong to one) and mine has 3% CDs ATM right now too. But if you look at the lending side, they're raping and pillaging just the same as commercial banks. I get a better rate on my Chase Visa than I do from my CU Visa. I could get a car loan at 1-2 pts. less than an online bank vs. the CU's in the region. They sure can take, but then they tout 3% as manna from heaven.

gpt
Yeah then they won't have cash to lend as their members will leave for greener pastures.  End of the day, you want to answer if CUs exist to benefit the community as a whole or their members.   
  
 I don't think either is the wrong answer, and there's a place in the market for both types of CU to exist.