Do you have damaged credit? No matter what created the problem — including careless spending, a messy divorce, or the high cost of living — a local credit union could be an excellent resource to help fix it. How? Here are a few ways that can benefit anyone. 1. A Client Focus. Unlike large banking chains and impersonal online institutions, credit unions have a customer focus at their core. They are member-owned and generally put more emphasis on community involvement and client benefits.