Credit Union no other way to go in my opinion.
They are member owned and only charge rates and fees to keep the doors open and to pay staff. Banks operate to make a profit. Very different strategies.
A real life example for you to see.
After My wife and I got married we opened up joint accounts with a big bank in Cedar Rapids where we lived. I wanted to buy a truck. I was looking at a used truck less than $18,000. We had great credit and we both had full time jobs. She is an executive for a major company in our city. I work in the school district. Both of us have college degrees etc…
I have borrowed money since I was 16 years old for various expenses and have never been turned down for a loan by a credit union. We were not approved for a loan at the new bank. They said we were too new of customers and did not have enough accounts with their bank to qualify us for a loan. We had checking, savings, debit and credit cards. The last time I will ever us a bank for any business. We went to a credit union and opened up new accounts with the minimal amount in each account and was apporved for a loan before we left the credit union that day. By the way my wife now sits on the board of the Credit union we started to use. We have since put our mortgage and several vehicle loans through them. It has been 10 years now and I will never look at a bank again.