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Outside of Wells Fargo - which is just god awful in so many ways - I'm no longer getting a different experience from banks vs credit unions. Sometime before covid I feel like the line between bank and credit union blurred and eventually went away, in relation to customer experience. I have money scattered across many institutions; I get the same treatment at both bank and credit unions now.

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From a technology perspective, bank & CU core systems all have approximately the same schema. The front and back offices are virtually identical business patterns. Most of the difference resides in the regulatory framework, forms, etc. Field of membership and ownership models are probably the biggest impact here.

My sole complaint of my credit union is their obliviousness about MFA. Being a smaller org, I imagine they lack domain experts. A shortcoming I'd expect the trans-galactic guild of credit union (or whatever) to address for its members.

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