Credit Unions, as not -for-profit organisations, have a key role in helping hard pressed families to get to grips with their finances.
Mae gan Undebau Credyd, sy'n sefydliadau nad ydynt yn gwneud elw, swyddogaeth hollbwysig wrth gynorthwyo teuluoedd i wynebu a cheisio datrys eu problemau ariannol.