How is a credit union different from a retail bank?

A. Acredit union is a nondepository institution; a retail bank takes
customer's deposits.

B. A credit union and a retail bank are the same thing; there is no
difference between them.

C. A retail bank is "membership only", a credit union deals with the
general public

D. A credit union is a nonprofit entity; a commercial bank is a for-
profit entity