Pros of a credit union: many processes are still manually-controlled

Cons of a credit union: many processes are still manually-controlled

There's a lot of scenarios where that's the lesser of two evils, though. And god it's nice to be able to walk into a branch, explain the situation to someone, and get "Let me see what I can do. There, all fixed" in reply.

Instead of "Oh, the system won't let me do that."