<prompt> Human: Looking more for the pros and cons to each. Its never been clear to me the differences and why some use one over the other.  <response>: Just a pair from my experiences- Credit union pro- they tend to invest locally and have lower CEO pay than big banksCredit union con - highly specific to the union but they may have very few ATMs, outdated apps or websites and miss modern conveniences like depositing a check by app. 