I've had a different experience. I walked into Altura Credit Union and had a checking account open in ~20 min, with most of that being spent on printing and filling out paperwork.

Customer service has also been top notch answering my questions.

Just like banks, not all credit unions are equal. Look at the one's in your area and research them. They'll often have lower rates for car and other loans than many other institutions.

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What do you expect might go wrong?