I love my credit union. Awesome rates on balance transfers, car loans and mortgages (hopefully you don't have the first two of these - I no longer do, but back when I did, it was very helpful - $0 balance transfers with low rates was helpful when my hair was on fire) - savings/money market not currently worthwhile so I still use an online savings account (GE Capital but Ally, Barclay Dream or Capital One 360 is probably preferable if you use Mint.com). They refund ATM fees up to $20/month. And since it's member-owned, there's a sort of profit share. Since my mortgage is with them, I got $166 back this year (a percentage of my mortgage interest refunded.) It was more in previous years but my mortgage is getting smaller (woohoo!) Various other perks (if you have Android/iPhone you can do mobile deposits) but of course it will depend on your local credit union options and eligibility.