I have a CU in USA an it's pretty good to me so far so I'm satisfy with it.

I can get cash from any participating atm or just cash back at a groceries. I have a saving and a checking account. I had two loans with them. First loan was a 15k one I paid off and currently I have a 25k loan with them. The interest rate is pretty low.

I usually just pay via credit card to get points and use my CU to pay the credit card bill.

I think my CU addresses every single point on your bullet list except for mobile first. But I usually just use a credit card by proxy.

One negative thing about CU is just the fact that they're selective on membership.