What to look for in credit union checking

Not all consumers are looking for advanced technology tied to their checking accounts, but many are. Some credit unions have the same technology as big banks and will send a text message to your cell phone when your checking balance is low so you can transfer money to your account. There are also apps for your iPhone, Olivarria says.

"Google the credit union you're interested in and see what they have to offer in the way of technological advances. See if they have a Facebook page," says Olivarria.

Also, do they offer online bill paying, direct deposit and online statements? And can you take one of their education courses online?

Make sure your potential credit union has the services you need.