That was my mindset until about 6 years ago, but the two credit unions we were dealing with seem to have changed. No more real people. Fees for everything, and their interest rates really aren't much different different than the big old banks. We dumped one Credit Union 6 years ago. The other I have no real issues with for me, but as I posted in another thread here, they wouldn't give my daughter an auto loan, but the big banks would. They wouldn't give her a mortgage when a big bank would. And in the past month they have imposed rules that prompted some of her electronic payments to be rejected, where the big bank would let those go through, but issue a warning that after that point, they would not.
My big bank, which I did not think I would like when they purchased my small bank in 1996, has been wonderful. I've got a "Personal Banker" whose services I really don't need because their system seems to work just fine. And I have a Financial Adviser on their Brokerage side who has guided my investments and retirement savings for 25 years.