You'll prefer a credit union to a bank if you find specific accounts or services that are ideal for your goals. Many of the credit unions featured have high-yield bank accounts, so if you find an account that matches what you're looking for, you won't feel like your compromising because there are fewer products and services.  You also might want to choose a credit union if you struggle with traditional banking services or requirements. Some credit unions offer 24/7 live customer service. Other institutions featured, allow you to use a foreign ID or ITIN number if you aren't a US citizen.