7. “YouNot Wall St.” Stay on Main St. Derivatives. Hedge Funds. Complex Mortgage-Backed Securities. No it’s not a foreign language, it’s the language of Wall St. and while Wall St. isn’t always bad for America, greed is. Greed and striving for profits led to the housing collapse that spiraled the country into a downward economic cycle that is still being felt years later. Big banks were at the heart of these problems. Credit unions were not. Credit unions do not mix on Wall St. and they do not stretch their members’ wallets too thin to put them in loans they cannot afford. At a credit union, you are firmly planted on Main St., not Wall St.! 10 15 Reasons You Should Only Bank at a Credit Union