I'm actually part of a credit union and would recommend it to many people. The credit union didn't get interest rates as low as what the big banks did a few years ago, but they're also not as high as the big banks are currently.

One thing I really liked about the credit union was that they didn't use my credit score when deciding my interest rate, they only checked it to make sure it didn't have any glaring issues. Also I like that the credit union doesn't sell my mortgage to a third party.