My experience has been that 'larger' credit unions end up looking more bank-like (and even share the same web interfaces these days; probably using the same SAA

My experience has been that 'larger' credit unions end up looking more bank-like (and even share the same web interfaces these days; probably using the same SAAS provider...), but still without the evil quotient. My current credit union (Golden 1) ran a five million dollar surplus a couple years ago, and just divided it up amongst the savings accounts... But point being, bigger credit unions are generally a bit more smooth at the edges.