[clairity]

a nice problem to have... =) nearly all credit unions have modern features like credit cards (with apple/android pay support), remote check deposit, and are part of a national ATM network, so you don't have to worry about needing (expensive) branches everywhere to do your banking.

when i choose a credit union, i optimized for two things:

- is there a branch close to work or home? this is mainly to develop a personal relationship in case i ever needed a loan. i'd deposit checks and withdraw cash in person occasionally.

- good rates on interest bearing accounts (at least 1%, but often >2% apr)

if you work for a larger institution, disney for example, joining their credit union is convenient.