<prompt> Human: Are there any reasons why you would choose a Credit Union over a Big Bank like Wells Fargo or Bank of America? Since theyre much smaller I feel like they would be at a disadvantage since theyre not available nationwide or worldwide.  <response>: My credit union offers great rates, has all the fancy stuff that banks have, and fulfills my financial needs. I dont really need my main banking account to be national or international. Thats what credit cards, debit cards, and mobile check deposits are for. The fact that they pay me for having an account there is just icing on top of everything. 