I found my credit union through nerd wallet. It is not local to me, but has reciprocal ATM agreements with credit unions that are local to me. The only hassles I have run into have been related to large deposits by check (inheritance) and even that wasn’t too bad (had to go to a local credit union when they were open and talk to a teller). Mine doesn’t cap my interest rate.
I found my credit union through nerd wallet. It is not local to me, but has reciprocal ATM agreements with credit unions that are local to me. The only hassles I have run into have been related to large deposits by check (inheritance) and even that wasn’t too bad (had to go to a local credit union when they were open and talk to a teller). Mine doesn’t cap my interest rate.