I highly recommend removing your deposit accounts from the large multi-national banks. Bank of America, Wells Fargo, Chase Bank, etc. are not to be trusted. B of A recently made headlines for handing customer information over to the FBI for being in DC on the 6th. Although, their services may be more convenient they are absolutely not worth having your funds frozen or information at risk.
My family and I have closed all of our accounts at Chase Bank this month and moved over to the Community Bank I work for. Community Banks can have issues growing due to lack of deposits. The money you deposit in Community Banks will be lent with the purpose of helping your local economy grow. You will also have a personal relationship with the people who keep your money secure, while hurting the large national banks that know nothing about you but love to remind you how racist you are!
Credit Unions are good for more simple account management. They're not necessarily up to date on the tech, and generally have less products to offer. I wouldn't want to run my business out of a credit union, but if I'm a young person looking to open my first bank account a credit union isn't a bad choice. I don't know much about Navy Federal or USAA, but I've never heard a bad thing about them!
A bank will generally have higher interest rates and fees, because we are for profit institutions. But with these higher interest rates and fees comes more convenience on accessing your funds, better online banking systems, and a wider array of complex loans to help businesses grow. I like to think of community banks as a good middle ground between mega-banks and credit unions. A community bank will provide you far more convenience than a credit union, and far better customer service than a mega-bank.
I've had my Navy federal account since 1984. Back then you had to be at sea to actually join.