My CU is so and so.. Sometimes I love them, sometimes I hate them...
They have helped me in bad situations. But when the CU computers lock up on a holiday weekend, I'm out of town, and my ATM/Debit Card doesn't work.. Its Friday and I have to wait till Tuesday morning for someone to reboot the system. They make me mad.
My CU can sometimes be very slow to process debit card transactions. Sometimes that has turned out to be an advantage. For whatever reason, they won't sync my ATM balance with my bank account on Mondays. If my payday is on a Monday. I am still working with Friday's available balance on my ATM/Debit card.
My employer offers direct deposit. When I DD my funds into my bank account. The bank account had DD funds available at Midnight. With my CU the DD doesn't become available till at least 8 AM the next day. I prefer to pay bills and such after midnight..
Billpay is slow with my CU... I do the online billpay on Friday. The payments are not sent out till Tuesday or Wednesday.
On the other hand. My CU has not caused me any problems like the banks have. I might complain about them but they have always been there for me.