Maybe I've just had bad luck but it seems like the credit unions I've tried are coasting on a reputation that is no longer deserved. Every one I have tried has behaved pretty much the same as any bank, except with worse apps, worse online banking, and worse ATM and branch availability. I can believe that there are great credit unions in the world, but I can tell you first hand that you can't just pick any random credit union and feel assured that they will be better than a major bank. Some of them are just as bad.