<prompt> Human: I am leaving Wells Fargo after decades of banking. The recent scandal was the last straw after several other reasons to leave. I am looking for long term baking for my wife and I. What are the benefits of choosing either a local credit union or another major bank?  <response>: I have similar experiences as ujhairehmyah. My credit union is better in some areas and worse in others. For instance: My first Credit Card, and for all members, the rate is 8 flat regardless of credit history I got my car loan with basically no credit history. The rate was 4.75, but this varies based on buying a new car vs used car, as well as how short the term is, and lastly if you have auto pay set up. I pay 1 per month for membership, and that dollar can be assigned to charity or to the Credit Union. No overdraft fees. No checking fees. Interest on both savings and checking. Same thing with ATMs All other services are very cheap. We dont get profit sharing though.TL:DR. A good Credit Union does not ever try to fuck you over. The services are very cheap, and are designed to assist you with your financial needs. 