<prompt> Human: I currently belong to a large bank.Id always wanted to join a Credit Union, but my current city of residence NYC does not offer many.Ive recently become eligible to join one. Im not sure if Ill remain in the area in the next year.By what criteria does one judge a credit union?  <response>: Look at their products and services. Honestly, just because it says credit union on the door, doesnt mean that its better than a bank. My credit union offers great services, such as 5 interest on the first 1,000 deposited, free checks, free checking, and CO-OP participation. I recently moved to a new a city and none of the credit unions here are very good. They charge you a fee to cash checks, even if youre a member and their accounts can go dormant in as little as 3 months. 