BELLINGHAM, Wash. (8/15/11)--Consumers should consider credit unions for their financial needs during times of fiscal austerity such as the U.S. is experiencing, said a radio host and authority on smart spending. Clark Howard is known for his acumen on money and consumer issues, which he dispenses on his national radio call-in show and on television’s HLN--formerly CNN Headline News (bellinghamherald.com Aug. 12). Regarding banking, Howard urges consumers to be wary of conducting business with what he terms “giant, monster megabanks.” Instead, he recommends smaller banks and--in particular--credit unions, which are consumer friendly and known for their superior customer service and lower borrowing rates, he told the newspaper. Howard also mentioned websites to help consumers find credit unions in their local areas. See the links. To read the article, use the link.