Credit Unions vs. Regional banks

Credit unions, totally. Except that they tend to be a little technologically backwards and a tad incompetent at the counter -- frustrating, but not dangerous. Fewer hostile fees than commercial banks.

Play with http://www.bankrate.com/rates/safe-sound/bank-ratings.aspx?t=cu&i=&r=5&a=&c=&s=New%20York&z=

oops, ignore the last couple of words in my initial post.

Alanhart, thanks for the link.

deposit in any fdic insured bank and you can be covered up to $1,000,000. need to set up a joint acct for 500000 and two individual accounts for 250000 each. i believe credit unions are not fdic insured but insured by another agency.

Both are insured but banks have higher coverage.