in our former town there are no more local banks, even the S&Ls have been consolidated or bought out by large state or national institutions.
here there are still a couple of local banks, but if they have not already been bought out or consolidated with a national, that is underway. even if they keep their local name and sign, most are owned by outside companies now.
if I was eligible to join a credit union here, I would, still my first preference, I have never been anyplace that did not have credit unions for parish or diocese, don’t know why they aren’t strong here.