Credit Unions have lower fees and pay higher interest on Savings. They also have lower finance charges on car loans and credit cards. Only a moron would open a account at B of A instead of a credit union.
Apparently you are unaware of the other services BAC offers that credit unions do not, because there's more to life than car loans and credit cards but that is all you harp on. I get all my bills electronically delivered to BAC, pay all my bills electronically through BAC, have integrated investment and retirement accounts, managed funds, etc. I can get currency for traveling abroad delivered to my front door with reasonable exchange fees. I can wire transfer money to banks in parts of the world that most people need to use Western Union/cash for. There is a breadth of products and services that I have not found in any other single financial institution. Credit unions are very basic. It's kind of like comparing speedy lube to a full service garage - there is no comparison.