I've had quite a few credit unions. I learned early on that there's a banking regulation that prevents banks from pulling a payment that you didn't specifically authorize for a loan or credit card from a checking/savings account at the same bank regardless of how overdue it is.

I also learned the hard way that Credit Unions are exempt from this and the MFs caused me to nearly miss a rent payment, yes yes debts are debts and you should pay them, but sometimes you need to prioritize limited funds and an unsecured credit card payment is almost always going to be rock bottom compared to a fucking rent or mortgage payment. And no, they would not reverse the payment they took.

I did learn a valuable lesson though, spread your accounts fucking everywhere. A checking at one bank, a savings at a different one, auto loan somewhere else, credit cards somewhere else. Thanks NFCU! Because of you I now have a WEB of accounts lmao

Other than that, CUs are nearly always lacking on the tech side of things and make asinine decisions like not being able to set your own username on account creation and have to wait on your "User ID" (probably account number) to be mailed to you.

Customer service is usually good, as long as you don't expect longer CS hours, usually closes around 8PM. Rates are good, lower fees and not nearly as many BS fees and that almost makes up for the cons