Answer:
Teachers Credit Union is implementing an innovative change.
Explanation:
Innovation can be defined as creating more effective processes, products, and ideas. In this case, innovation refers to the ability of the business to adapt and change to their environment and provide better service. Because their competition began offering more hours, the Teachers Credit Union had to change their schedule to adapt to new changes in their environment and provide their customers with the best service. They wouldn't want to lose customers because their competition was being innovative and they were not.