I would run with a CU, if they didn't employ the biggest group of idiots this side of MCDavis.
I have never worked with a bigger bunch of morons as I did when closing my father's estate after his passing in 2009. Absolutely simple, straight forward work. They don't use computers, everything is still done on paper. Not shocking that I had to do paperwork twice when dealing with them. And it's not a "come in and sign", it's a "come in and sign, then wait for us to mail out your forms, then come back in and sign again."
I am shocked many of them aren't eating their own arms they are so stupid.
I wouldn't bank with a CU (well, this one, anyways) if the loan rate was 0%. Not worth the hassle.
R35