The thing with a CU is it's great until something goes wrong. Although anecdotal, these are all real world trouble I've had with ours: 1) Need to have safe deposit box drilled. Took over 6 months to get it scheduled and repeated visits to the branch manager. 2) Had a double post of a debit. Not a biggie, but no 24 hour customer service (or weekend service unless you come in person). Had it been fraud or a huge double post I would have been out of luck until the next business day. And would likely have had to go in person. 3) Ordering checks required an in person visit. 4) Changing out an old secondary signer for a new one required an appointment that took several weeks to book (apparently no one there works full time). 5) Interest on our money market is worse than the local big banks.