Still got money in silver but want to keep some cash on hand
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Good job getting out of Chase.
Credit unions are mostly good, IMO.
I like that the members are also the owners. Banks have owners, and those owners want profits from the bank, and those profits come from the bank's customers by charging higher interest on loans, higher fees, and paying lower interest on deposits.
In a credit union, there isn't really a profit motive. Where would the profits go? Back to the owners, who are also the members. For this reason, credit unions can usually have lower interest on loans, lower fees, and higher interest on deposits. But each one is a little different, so do your due diligence.
If you want a large geographic footprint, look for credit unions that participate in CO-OP network ATMs and shared branches. When traveling you can usually find a free ATM or free branch nearby. https://co-opcreditunions.org/locator/
Oh, also check your expectations. Chase has top people working on their mobile app, their website, their call center, and so on. A credit union is going to have less resources for things like that. So sometimes it helps to have a little patience.