<prompt> Human: Im 18 and a student. I currently have an account open with a big bank with my mom as a joint owner. As Im getting more and more money saved I think its time to get one on my own. From what I have read there really is no downside to a credit union. It seems like a good thing to haveTldr should I leave a big bank to a credit Union to get more financially independent?Assistant: Some credit unions are good. Some suck. I dont see how youre more financially independent at a credit union vs a big bank.Human: Financially independent as in not having a parent on overwatch on the account  <response>: Then whether your account is with a credit union or a bank is irrelevant. 