Quirky. I've had the best service ever with the credit union I'm with.
I can find ATMs everywhere.
Even when I'm not in my home state, I usually can run into an ATM that's supported by my CU to get free withdrawals (found that out on a trip to Minnesota, US, and again on a trip to Georgia, US).
I recently needed a loan to get my vehicle back after needing emergency repairs.
I called them on a Tuesday afternoon.
On Wednesday morning, the money I needed to pick up my vehicle was in my account and ready to go.
I didn't have to go do any paperwork or anything special. I just called.
I haven't paid any BS fees. The few times I actually managed an overdraft, I was charged the overdraft fee and that's it. I couldn't deposit anything for two weeks, but there were no fees other than that one overdraft.
This is unlike what has happened to a good friend of mine: He managed to overdraft by 47 cents (an automated transfer for something hit right after paying rent, heh).
The bank charged him for the overdraft, which is right and fine, albeit $40 is a pretty steep overdraft charge.
Then a week later, they hit him for a 'service fee' for the overdraft ($35).
A week after that, they hit him again for another 'service fee' ($35 again).
As a result, he gets to pay over $100 for overdrafting by 47 cents with a regular bank.
My CU would have charged him $29 for the same thing. That's it.
The few banks I've tried have pretty much scared me off with their fee schedules.