<prompt> Human: I have about 6 grand saved up for in case I hit a very bad patch. I was going to take 3-4 grand of that and put it into a savings because it can just sit there and accrue interest. The bank account I currently have this money in doesnt do that. It just holds it. My grandpa gave me this account as a teenager when Wells Fargo used to be Wachovia and Washington Mutual so its an old Custom CheckingSavings account.Anyway, I looked into other savings places with Wells and even Chase. They offer a .01 to .04 interest rate on savings which is to say is abosolutely nothing. I looked into the credit union I used to be in Lbsfcu with my mother, she was secretly stealing my sister and Is money through a parental management option so we closed it and go our own accounts she couldnt touch and they offer about a .15 interest in savings. Would this be a good idea? Has anyone ran into bad instances with credit unions? Id like to know any stories, good or bad from you guys. Thanks!  <response>: I will be one to say that the specific credit union you select really matters. I was a member of one, and it was awful. It was a few years back when Reddit was sucking down the CU kool-aid big time. My CU had very few locations, ridiculous business hours, way behind the times on technology. I had to submit all my loan application paperwork via fax and show up during their weekday-only business hours to sign the paperwork in person. Loan officer took forever to return calls. Website was terrible. They tried to slip some unemployment insurance BS into my loan which would have added extra cost. I called them out on it, they removed it which lowered my payments, but it really felt super shady. After I paid off the loan which had a good interest rate to be fair, I closed out my accounts. Wasnt worth dealing with them. Do your research if you are considering a credit union! That being said, Wells and Chase suck big time for savings accounts. You can get 1 APY at an online bank like Barclays or Ally. Some people will tell you its not worth it for 1. Dont listen to them. 1 of 4k is 40 for doing pretty much nothing. The concept of a credit union is good, but there are lots of bad ones. Just make sure you know how it works when you join. 