To this day I see no benefit in a financial institution being a credit union or a bank. All the CUs with which I have dealt all have similar fees, rules and other restrictions that I find in most of the banks with which I have dealt.
I have personally found my credit union to be much more fair and reasonable to deal with regarding rates, fees, etc.
That being said, the manager recently went off in front of me on a 20 miunute diatribe about how his healthy institution is being raped by the Obama Administration to secure funds to be used to prop-up unhealthy ones.