I know that credit unions (and banks, for that matter) in my area don't require a high credit score to open an account - I was able to open two accounts - one in a credit union, another one in a bank - while having no credit score whatsoever after arriving to the country. The bank did actually run a credit check on me, and they told be that it basically came up as "no history", which to them is the same as not passed... but they didn't care, so long as I didn't ask them for a credit card.

The credit union that I'm banking with doesn't have a minimum account balance or account fees: https://www.firsttechfed.com/bank/checking/carefree_checking

Am I missing something?