It amazes me how many people use shitty banks - I assume people just don't know how much better credit unions can be.
Far better interest rates on loans/credit cards, they don't nickel and dime you over everything, and services that are actually useful instead of stupid promotions designed to goose this quarters' bonus. They'll give you basically the best rates you can find on mortgages, too.
One downside is slower clearing, but I don't use them as my primary account, so I don't care about this.
They also tend to be more cautious about lending. The longer you have an account, the more comfortable they'll be with you on that front. (Assuming you are financially competent, of course.)
And what they offer varies - mine, for instance, does not have a money market account, so that is at a different institution.
But especially for younger folks or folks who carry credit card balances, they're so much better. My credit union CC rate is a few points hire than current inflation.