Still got money in silver but want to keep some cash on hand
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You have to check the history of the credit union and the people running it. Talk to them personally and see how you feel. In the end go with your gut and make sure to distribute your fiat savings (other than the cash) amongst a bunch of banks.
I was about to say the same thing. Don't put all your money in one bank or credit union. And check them out WAY carefully. Poor reviews = bad news. Avoid the large banks. They are all run by assholes.