Data cooperatives with fiduciary obligations to members provide a promising direction for the empowerment of individuals through their own personal data. A data cooperative can manage, curate and protect access to the personal data of citizen members. Furthermore, the data cooperative can run internal analytics in order to obtain insights regarding the well-being of its members. Armed with these insights, the data cooperative would be in a good position to negotiate better services and discounts for its members. Credit Unions and similar institutions can provide a suitable realization of data cooperatives.