<prompt> Human: In many ways, local credit unions seem worse than banks. Their online services are quite poor compared to large regional banks, their interest rates look a bit better but 1 per year on 2500 is still not that much am I misunderstanding APY?. What are some key differences that would make one better than the other? This is exclusively in regards to savings accounts.  <response>: I like the way Im treated at my credit union and local bank. For many people it comes down to that. 