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Credit Unions Are Quietly Robbing the Poor — And the Swamp-Dwellers in the Government Helped Cover It Up

EDITOR'S NOTES

They told us credit unions were the “good guys.” Local. Non-profit. For the people. Turns out, that was a damn lie. While you’re sweating every dollar, these so-called “community institutions” are raking in billions from overdraft fees—and now the federal watchdog in charge just helped them disappear the evidence. This isn’t about helping the poor. It’s about protecting the profits of a corrupt system. Once again, the entrenched bureaucrats—not Trump, but the permanent government—are shielding the predators.

Sam Clemons Apr 8, 25

THEY CALL IT “FINANCIAL INCLUSION.” I CALL IT WHAT IT IS: A HEIST.

The National Credit Union Administration (NCUA) just pulled off a stealth move so slick, most Americans didn’t even notice. They shut down public access to data on how much each credit union is making from overdraft and bounced check fees—the very charges that slap working Americans with $30, $40, or more when their account dips by a few bucks.

They say it’s to help low-income communities.

That’s not just dishonest. It’s insulting.

Let’s Break Down the Scam

Until a few months ago, anyone could look up exactly how much your local credit union made off these predatory fees. Now? That transparency is gone.

Their excuse?
NCUA claims the data was “discouraging” credit unions from offering overdraft services that allegedly help people during emergencies.

Give me a break.

You don’t help someone in an emergency by charging them $40 for a $5 overdraft. You help them by creating a fair system that doesn’t punish poverty.

This is not financial protection. It’s legalized looting.

$3.9 BILLION — That’s How Much They Took From You

In 2024 alone, just 451 large credit unions collected $3.9 billion in overdraft and NSF fees.

Let that sink in.

That’s nearly half of what the entire U.S. banking system collected in overdraft fees—yet credit unions hold a much smaller share of the market.

So who’s gouging who?

Here’s the dirt:

Overdraft/NSF fees made up 34% of net income on average.
148 credit unions made more than half their profits from these fees.
61 credit unions would be in the red without them.

This isn’t just about a few bad apples. It’s an entire orchard of greed.

Navy Federal Credit Union — the biggest name in the game — made 42% of its profits from these fees.

And one Alabama credit union? 171% of their net income came from overdraft fees.

Let me translate that: They lose money without preying on the poor.

Regulators Are Protecting the Predators — But NOT Under Trump’s Watch

Instead of stepping in to stop this madness, the NCUA decided to hide the evidence.

They’ve made it harder for journalists, watchdogs, and consumers to see who’s profiting from financial suffering. All under the banner of “helping low-income communities.”

That’s like a fox locking the henhouse—and calling it food security.

Now let’s be clear: This isn’t Trump’s administration doing this.
This is the deep state, the unelected bureaucrats who think they can outlast every president, every Congress, and every voter.

President Trump spent four years trying to clean out these corrupt regulators—and they fought him every step of the way. They’re still fighting him today. Because they know that a second Trump term means the gravy train ends.

So ask yourself: Who benefits when the data disappears?
Not you. Not your neighbor. Not the single mom trying to balance groceries and rent.

It’s the credit unions.
It’s the banks.
It’s the D.C. swamp rats who’ve been feeding off us for decades.

Same Playbook, Different Uniform

They’ve fooled you before. Remember how they sold the Federal Reserve as a stabilizing force? Or how they told us the 2008 bailouts were to “save the economy”?

Now it’s “credit unions are your friend.”

No.
They are the same machine—just with softer branding.

And the NCUA just joined the cartel. They're not regulating. They’re covering.

And until the Trump movement reclaims the White House, these swampsters will keep getting away with it.

The Real Goal? Control the Poor. Silence the Watchdogs. Shield the Profits.

This isn’t about overdraft fees. It’s about normalizing theft.
It’s about making you think you deserve to be penalized for being poor.

They don’t want you angry.
They want you confused.
They want you distracted with streaming services and social media while they bleed your accounts dry.

But we see it now.
And Trump saw it before anyone else.

Take Back Control Before It’s Too Late

If we let them keep hiding this data, what’s next?

Secret bailouts?
Vanishing audits?
Digital currency lockouts through FedNow?

You think that’s far-fetched? They already made your bank balance a weapon. They can cut off your access, freeze your account, or drain it with fees—all while smiling for the cameras.

Enough is enough.

TAKE ACTION NOW:

Download “Seven Steps to Protect Yourself from Bank Failure” by Bill Brocius – This is your first line of defense against the collapse of trust in the financial system. 👉 Get it here
Join the DeDollarize Inner Circle – The truth they won’t tell you on cable news, for just $19.95/month. 👉 Become a member now
Order your copy of The End of Banking As You Know It – Free shipping, no nonsense. 👉 Get the book

They’re stealing your money.
They’re stealing your freedom.
And now, they want to hide the evidence.

Don’t let them.

Stand with Trump. Stand with truth. Drain the swamp — even when it’s wearing a credit union nametag.
America First. Banking Elite Last.