> Also, most credit unions either use federal (national) credit unions and large banks for services. We bought our cash from JP Morgan, sold our mortgages to US

> Also, most credit unions either use federal (national) credit unions and large banks for services. We bought our cash from JP Morgan, sold our mortgages to US Bank and kept reserves with a federal CU. Without these services, expenses would have been higher or services would have been reduced. Sure, but this happens at big banks as well. My company's bank is part of the Santander Group, which literally has trillions of assets, but they use Wells Fargo for many services. Every bank uses other banks for certain services at this point.