Credit union members still aren't particularly optimistic about the economy and their personal finances.

According to the latest Discover U.S. Spending Monitor, 59% of credit union members believe the economy is worsening and more than 53% now believe their personal finances have worsened.

In addition, 50% of credit union members report they will have money left over after paying their bills, representing a five-point drop from August.

Consumers belonging to credit unions experienced a significant drop in confidence over the past year, with 69% now rating the economy as poor, compared to 56% a year ago. According to Discover, that figure is the highest since opinions of credit union members were recorded by the Discover U.S. Spending Monitor and mirrors the attitude of the general public.

Credit union members' spending plans seem to also be on par with the general population with nearly 39% planning to spend more on household expenses next month. In addition, 15% report they will spend more next month on household improvements and only 8% plan to save more next month.