credit union and financial services, namely, checking account services, savings account services and the provision of saving certificates, money market accounts, youth savings accounts, educational savings accounts, retirement savings certificates, mortgage lending, home equity lines of credit, motor vehicle lending, personal loans lending, commercial loans lending, providing student loans, credit card and debit card payment processing services, issuing of credit cards and debit cards, administration of health savings accounts, insurance brokerage, capital investment services; on-line credit union services; on-line non-downloadable financial consulting services