I’ll never bank anywhere other than a credit union again. I really like mine(Wings Financial), but the membership requirments probably don’t work for you. If I weren’t happy with Wings, I would probably be with Penfed, which is basically open to anyone. You just have to make a $20 tax-deductiable donation to a specific military charity.
For some people I suppose the lack of branches might be a problem, but I’ve been with my CU for like 15 years and I’ve never actually been in a branch. I can deposit checks over the internet (the first few thousand are credited to my account immediately), there’s free ATMs all over the place, and if I have a problem I call and speak with a nice lady in Minneapolis. Oh, and credit unions tend to have great rates for their car loans, too.