Advantages and disadvantages of managing your money through a credit union?

Advantages: not for profit, members have ownership shares, usually more personal service, more inclined to be open and honest (not-for-profits often do what is "right" over what is most profitable), lower rates, more open to unique circumstances and requests, better access to decision makers, access to co-op ATM networks and other cooperative aspects of banking that reduce fees and increase ease of use.

Disadvantages: sometimes offer fewer programs or products due to smaller size, sometimes have inferior technology (computer systems, online access etc), may have fewer branches than a larger bank.