Another article on Credit Unions 101 from Bankrate.com: http://www.bankrate.com/finance/c...ntinue.asp
"Credit unions invariably offer higher interest rates on different savings accounts (money market, certificates of deposit, etc.). They also charge lower interest rates on different consumer loans such as mortgages, auto loans, and (home) equity lines of credit than larger banks."
1. Credit Unions offer great RCAs due to their lower cost/tax status,
2. Shared Branching put most credit unions under one network for ease of daily processing for customers.
3. Their CO-OP ATM system (and others) makes deposits/withdrawals easy and fast (e.g., I can deposit my large check deposit for SWACU into CO-OP ATM and it is available on the same day without any check hold).