credit union services, namely providing regular savings, money-market and checking account services, certificates of deposit, individual retirement accounts, consumer-loan services, mortgage-loan services, credit- and debit-card services, on-line banking services featuring bill payment services, automatic-teller-machine services, insurance-brokerage services in the field of auto and home insurance, GAP, accident, credit and life disability insurance, and accidental death and dismemberment insurance; debt cancellation and mechanical breakdown protection; financial planning and auto buying brokerage services