According to your text, credit unions differ from commercial banks and savings institutions because they a. are larger than commercial banks and savings institutions. b. restrict their business to credit union members. c. are profit-oriented.

b. restrict their business to credit union members.

Explanation:

Credit Union are non profit making organisations hat primarily cater for the needs of their members. They are not commercially owned but customer owned and most organisations from churches to schools and even communities have credit unions. Credit Unions basically make services such as savings, loans among other financial options available to their members.

Commercial Banks on the other hand are primarily commercial profit making institutions and they offer banking services from loans and savings among others to a large rang of customers not restricted to members of a particular group. The goal of Commercial banks is customer service.

As such the main difference between the two types of organisations is that Credit unions restrict their business to their members while banks do not.