<prompt> Human: I apologize for such a vague and stupid post, but I have no background in personal finance. Ive always heard credit unions over banks and I believe thats where I should start in terms of a healthy financial state. Im in the state of Michigan if that helps any. Need advice, any would be appreciated!Assistant: Credit unions are not inherently better than banks, and banks are not inherently worse than credit unions. Decide on the banking services you need and go with whatever institution offers them at the lowest cost.Human: I appreciate that clarification. What Im looking for is lower fees and rates, thats really all Im concerned with honestly.  <response>: An online bank is probably even better then. 