Why you should join the local Credit Union

[monster]

(I regularly bank with three big name banks, three credit unions and one online bank fwiw, and one of the credit unions is notably better than the other two. But still lacking behind the banks in speed of service -and national availabily)

[BigV]

Originally Posted by monster

(I regularly bank with three big name banks, three credit unions and one online bank fwiw, and one of the credit unions is notably better than the other two. But still lacking behind the banks in speed of service -and national availabily)

National availability is definitely a point in favor of big banks, *if* that's something you need. I don't travel so far that my credit union can't do what I need to do for me. I don't travel across the country, I don't have a need to visit a branch across the country. So, while I agree that BofA's geographical footprint far surpasses that of my local credit union, that represents useless excess for me. I won't use it, I don't need it and I certainly don't want to pay for it.