A credit union is a cooperative, not-for-profit financial institution that provides its members a safe, convenient place to save and borrow at reasonable rates at an organization which exists to benefit them, not to make a profit.
One of the major differences between a credit union and a bank is that credit unions are not-for-profit organizations. After operating expenses and reserve requirements are met, the "profit" that we make each year, in terms of the remaining interest income, is returned to members in the form of higher dividend rates, lower loan rates, lower fees, and enhanced service.
Hoosier Hills Credit Union offers the same wide variety of financial products and services that banks do - only with better rates and fewer fees.
The best answer to "Why use a credit union instead of a bank?" is that your financial well being is always first with a credit union.