I know the struggle. We were in a similar situation ourselves with our CU and decided to pull the plug. While I love the co-op model, the rates across the board were shit (talking .05% on checking and .45% on savings), and what’s more, the rates they gave us when we were shopping for mortgage loans and car loans were even worse (variable mortgage rate at 7% in 2021, when everyone else was offering 2.5% fixed).
At the end of the day I realized that it wasn’t worth leaving money on the table just to have the warm fuzzies of being with a meh, at best, banking institution. In 2023 all I really want are competitive rates, my funds insured, and easy, secure access to my funds and mobile banking. If you can’t do that, there are dozens of other institutions that can.