<p>I haven’t had years of experience with the world of finance, but the vast majority of people in my area deposit their money in a credit union rather than a bank. It’s generally a more positive experience for everyone, it’s insured by NCUA, and it’s nice to have the knowledge that all the management of the credit union is handled locally. </p>
<p>Like all financial institutions, though, it’s vitally important to investigate what kind of insurance is backing your credit union before investing. But, in my humble opinion, it cannot be universally said that a credit union should not be the primary access to cash.</p>