http://www.blacklistednews.com/Real_Story_Behind_Negative_Interest_Rates%3A_Banks_Pushing_Credit_Unions_Out_of_Business%3F_/20453/0/0/0/Y/M.html
Don't fall for it. Stay with your CU. The banking system is dying, and they want to take everything else with them. Short term, great. Long term suicide if you play.
If the era weren't coming to an end, that is. And once the bank has you trapped they can do all kinds of nasty things, like renegotiate the contract, and of course YOU will have NO say in the matter. Look at what they do to interest rates they collect from you. Get out of those corrupt shite pits YESTERDAY!