Which of the following is generally offered by banks and credit unions?

Savings and loans are foundational services traditionally provided by banks and credit unions. Both institutions focus on helping individuals manage their finances through savings accounts that earn interest and various loan offerings for personal, auto, or home financing. These services facilitate savings accumulation and provide access to borrowed funds for various needs, making them central to the role of these financial institutions in promoting consumer financial health.

While cryptocurrency trading, insurance products, and investment banking services may be offered by some banks or credit unions, they are not universally provided as core offerings. Savings and loans, on the other hand, represent the fundamental banking services that solidify the relationship between consumers and financial institutions, making them the most appropriate answer in this context.