Which of the Following Are Two Significant Differences Between Thrifts

Which of the following are two significant differences between thrifts and credit unions?

A) Credit unions cater to wealthier depositors and are nonprofit; thrifts are for-profit and serve the working class.
B) Thrifts are based on a common bond among depositors and cater to more middle class and wealthy savers.
C) Credit unions are nonprofit and are owned by their members, or depositors, but thrifts are generally for-profit and have a wide variety of depositors.
D) Thrifts are tax-exempt, but credit unions are not; credit unions have a wide variety of depositors.