Many credit unions are helping consumers make the best of these lean times.

First Credit Union has launched a "Working to Save You a Million" initiative to help members and nonmembers find ways to save money.

In addition to educating consumers about refinancing loans, the Chandler, Ariz.-based credit union has been posting money-saving tips on Facebook and Twitter. From links to coupons for local businesses and entertainment to free exercise classes and tips on travel savings, First CU has been busy sharing deals with consumers. So far the response has been positive and many locals have been posting their own money-saving tricks.

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