I belong to 3 CUs. I've never tried taking out a loan that a regular Bank had better rates than my CU.

I left the big banks for a local credit union about ten years ago and couldn't be happier. I can't provide solid proof that they have the customers best I terests in mind but it sure seems that way. Getting a loan is as simple as walking in and walking out about 30 minutes later with cash or a check in hand. My experience with big banks typically involved a much more drawn out process that could take days to complete.

 

Also my debit card was compromised a few months ago and there were some charges that came out of my account from restaurants in Las Vegas. They noticed that my card was being used here in Ashland as well as Las Vegas on the same day and had me come in and fill out a fraud packet, once I did that they credited my account immediately. I imagine that process would have been a hastle at one of the big banks.

 

My bank noticed a charge at a Home Depot in Texas where the numbers were hand written, not swiped. Called me to ask me if i made the charge. Told them no, they cancelled the card and overnighted me a new one.

Used a credit union years ago, never had and issue, current one based out of LA so I don’t use it.