<prompt> Human: I want to leave Wells, but I do not want to go Chase or BoA. I was looking at credit unions, but I do not know how they really work. I live in California. who should I trust my money with?  <response>: If you just need the basics, savings, checking, car loan then find a credit union. The customers are the owners and the profits get funneled back to you in the form of lower rates and fees. Bigger CUs can will sometimes do home mortgages too.If your needs are larger, you need a business loan or have significant assets, I use US Bank, theyre one tier below the big three and Ive been very happy with them. Unfortunately there are only a few branches in CA but you may be close to one. 