That isn't much to love.
I have free checking with Chase, Wells Fargo, Bank of America, Merrill Lynch, Huntington and Fidelity. I've never paid for a checking account anywhere. Ever.
I have an $80,000+ credit card with Citi, $70,000 with Chase and well over $100,000 across my Amices. Among many others. I have no idea what the APRs are because it doesn't matter if you aren't carrying balances, which I would never do.
Most of my cards have no foreign transaction fees, and my better cards (the ones I do not regret opening) pay competitive rewards that virtually no credit union can match. I'm not even sure the word "virtually" is necessary but I tossed it in just in case.
My liquid savings is earning 1.15% at Barclays, which is 575% of the interest you would earn on the same balance at your CU.
I have no car loan, but for now I have mortgages on both of our homes with rates that no credit union could touch. I shopped.
Over the past 6 or 7 years I have started the mortgage process with at least four CUs of all sizes, and none of them could figure out how to manage to a deadline and get the loan closed on time.
So I've never closed a mortgage with a credit union, I've only started the process. Each time I had to abandon them and go elsewhere. One of them took over two weeks to get my application - which I filled out on their web site - into their loan origination system. Another one couldn't get a HARP refi (that didn't even require an appraisal) closed in almost two months. So I went elsewhere and I was done in 13 calendar days, and ended up with a better rate and lower fees.
I am not able to get the best of anything from a credit union. Credit unions are fine if you are content with mediocrity or less. I am not.
I guess you and I just are content with different things. I don't need credit cards with $70 - $80,000 (or more) credit limits.
I don't carry balances on my cards either. I have a couple rewards cards, so I don't use my CU credit card. It's for emergencies.
I don't need six checking accounts (free or not) at six different banks. I guess I am afraid of the inconvenience of online banks,
plus the fact that I have a very 70s oriented wife. Had a mortgage from hell with WF and Ocwen, but those are paid off.
Foreign transaction fees don't concern me as I don't travel.
I don't need a big bank with a national footprint as I don't travel.
I guess what I am trying to say is that what you have works for you, and that's fine.
What I have works for me, and that is fine, too.