Why don't Credit Unions reduce interest rates to get more business?

RedOnion

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I don't think I've ever seen credit unions insinuate that you can't pay off a bank loan early
But how else would you interpret "The Credit Union Difference"?

"What makes a Credit Union different from any other financial provider?"

"Flexibility -you can repay a credit union loan earlier or make larger repayments than agreed with no penalty.
Additional lump sum repayments are accepted with no penalty."

 
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