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I moved cities 5 times in 8 years. The last thing I wanted to do is try and evaluate a credit union each time.

I look at it now and think about it, but I have to deal with international things and the last thing I want to deal with is trying to get a hold of my bank from ten timezones over.

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Thanks to modern banking, you don't need to be in the same city as your credit union.

I've used the same CU for 20 years, the last 8 of which has been 2000 miles away from it.

Most credit unions are in a network with each other so you can use other CU's ATMs and branches. There are a few limitations, generally around large withdrawals, but the nearest actual branch/ATM of my CU is ~250 miles away and I do just fine. I've done both an auto loan and a mortgage with them without ever having to go into a branch.

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