Please rewrite the following response so that it's fluent. Please only improve the writing quality and be sure to avoid adding or removing any information. Directly return the revised response.

However, credit unions typically have lower fees and better interest rates than banks.  As credit unions are member-owned, all profits are either invested back into the cooperative or distributed amongst its members. This can lead to higher savings rates, lower interest on loans, and fewer fees compared to traditional banks.  They also tend to be more customer-focused and offer better customer service.  Moreover, credit unions often offer financial education programs and tools to help members better manage their finances. This is unlike most banks which are largely profit driven and may not prioritize customer financial literacy. Write exactly 6 paragraphs each separated with two new lines answering this question. The last paragraph must start with "never".
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