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Banks have more presence while credit unions have more perks.
You might earn a better interest rate on your savings account @ the credit union but the lack of locations might drive you up the walls at times. Also, (something I learned from working for Wachovia) credit unions are not FDIC insured, like banks are.
If you're unsure, get into both. I have one account w/ Wachovia Bank and one w/ Partners FCU.
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