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As someone who has used both, I whole-heartedly believe that anyone who would put some marginal financial benefits of a CU over the ease of use, consistency and convenience of a big corporate bank is insane. So it appears we’re at an impasse.

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See, whenever I’ve had any sort of issue, the CU has been way more helpful and responsive. It ain’t about the rates.

The first credit union I belonged to, my balance was rarely four digits, more commonly 2-3. The branch assistant manager was absolutely amazing. She'd do me all sorts of favors, like insta-clearing parts of checks I was cashing.

Any major bank is full of pencil-necks who have the corporate rule book memorized and won't dare speak a word outside of the script they were handed.

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