Question

What is true about credit unions?

They are not insured by the government.

They are generally member-owned.

They only offer savings accounts.

All of the above are true.

Answer 1

They are owned by members.

Answer 2

What is true about credit unions is that they are generally member-owned.
Even in the definition of a credit union it says that:
A credit union is a member-owned financial cooperative, democratically controlled by its members, and operated for the purpose of promoting thrift, providing credit at competitive rates, and providing other financial services to its members - taken from Wikipedia.