I didn't do a CU for my mortgage (mostly because my lender is awesome and I'm happy with our rate), but I did for my recent auto loan and moved my accounts to them.

NIGHT AND DAY DIFFERENCE. customer service is fantastic and their online banking app/website is no bullshit. It even supports TOTP 2FA, which I definitely wasn't expecting given that the huge bank I came from didn't for some reason.

Can't recommend a credit union enough.