WEST PALM BEACH, Fla. — For many tech-savvy families, Voice over Internet Protocol means calling junior at college or grandma at her retirement condo without running up a long distance bill.

It's a growing concept. Traditional phone companies such as Verizon and cable firms, for example Comcast, offer VoIP. Others such as Skype and Vonage have sprung up specifically to deliver Internet phone solutions.

But for businesses, including credit unions, other issues such as security are involved–and costs can remain a mixed factor.

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