WW... an atheist credit union would be an excellent idea. I'm surprised that you haven't received a lot of comments on it. I happen to be puertorican, and years ago, in the 1970s, I happen to find myself in Chicago, with a wife and one year old daughter, with no job and no money. I found a Puertorican Credit Union, housed in an old church, of all things, and it lent me $400.00 to help get me by, until I found a job, which I did.
Wow! What a fantastic idea WW! The IDEA about having a credit union, is NOT about getting into more debt, no way! On the contrary, it could include a program of classes, on "How to get out of debt", by consolidating all your bills, into just one reasonable bill, that you would pay the credit union, who would charge you a reasonable interest rate for it. Not only that, but that Puertorican Credit Union I told you about, also held "TRADE" schools of different types, so that people could learn a trade, if they were not up to their GED and college schooling, or couldn't afford it. They also provided Baby-Sitting Services to their members so the members could hold down there job, and improve their lives. WW...the list is endless what an atheist credit union CAN do, believe me. Ask me more, I know something about it.
I really like this idea. Roughly, what are the steps to accomplish this? The first step?