Beware That This "Credit Union" Requires A 650 Credit Score Or Higher In Order To Open The 4%

Beware that this "credit union" requires a 650 credit score or higher in order to open the 4% Premier checking account.  I asked why and couldn't get a straight answer, so I decided to go elsewhere.  Why should I have to get a credit check just to give THEM the my money? 

Also, they carelessly pass around paperwork with sensitive information on it (DOB, SSN, etc.).