Earlier quoted context omitted.
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.
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.