What do you guys think about the advantages/disadvantages of being at, say, BofA vs being at a local credit union? For a savings account and for loans, it seems that credit unions take the cake with their low interest rates and (relatively) bigger returns on savings. But for getting a credit card, an account at somewhere like BofA or Wells Fargo seems like a better deal. Or maybe it's better to get a credit card through a third party. I'm trying to decide how to manage my money (between spending, saving, paying back loans and investing). I'm also starting to build up credit (but don't yet have a credit card). Any advice and/or comments?