As Citigroup Inc. joins other financial institutions that are lining up for part of $700 billion in relief money under a Treasury program designed to ease the subprime mortgage-driven credit crunch, Maryland credit unions, lately ineligible for the program, have started a regional ad campaign touting their solvency and credit-willingness.

“There is no credit crunch at credit unions,” said Sarah Turner, director of public affairs for the 170-member Maryland and the District of Columbia Credit Union Association in Columbia.

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