Learn the key differences between a credit union vs. bank, including fees, rates, accessibility and customer experience to help you make the right choice.

For instance, as of March 31, 2023, the national average rate for a one-year certificate of deposit with $10,000 was 2.28% for credit unions and 1.74% for banks. Navy Federal is an example ...

ATMs and branches: Broad ATM and branch networks are the norm for national banks; credit unions might belong to large, cooperative networks of ATMs, such as Allpoint, and offer shared branches.If ...

Explore the differences between credit unions and traditional banks, and learn how to join one. ... Lorence suggests using the Your Money Further search tool to find a credit union near you.