For years, I resisted the idea of switching to a Credit Union. I didn’t see the point. I vaguely knew that it was better to support local Credit Unions (instead of big, for-profit banks) but at that stage in my life, I was a student, and most banks have free student accounts.
Until one day a bad bank experience promoted me to look into Credit Unions and I began saving hundreds of dollars passively! But switching did come with Pros and Cons….