<prompt> Human: Im 23 years old with a credit score of 730. I have a couple student loans that Im paying off hopefully in a year. I currently have a Bank of America checking account main, a joint Chase checking account with my dad, and a Discover credit card with a max limit of 1500 got it in college.I recently accepted a new job and they gave me information about the countys credit union. Ive been looking into it and it seems appealing based on the lower interest rates on loans. Should I close my Chase checking account and open a checking account with the credit union?Also, should I apply for a credit card at the credit union too, find another good credit card, or just increase the max limit on my current Discover card? Thanks!  <response>: There is a tendency for some posters here to blindly push everyone toward credit unions, but the reality is that each situation is different.Whether it is a credit union, community bank, regional bank, or a mega bank, you need to pick the institution that works for you. Everyone has different needs from their financial institution; loans, savings interest rates, account fees, smartphone apps, ATM networks, etc. are all factors. Make the comparison and move if you feel it is worth it.For the credit card, I would ask for a limit increase. 