Credit unions are not insured under the FDIC. They have their own kind of insurnace. A credit union cannot do any banking business on their own...so if you are using a credit union all your banking busness is being processed thru a bank anyway (they physically take all their work to a bank every night to be processed because they are not allowed to process it themselves).
Furthermore...did you pay any money in income tax last year? If you did you paid more income tax than the ENTIRE CREDIT UNION INDUSTRY. So basically everytime you pay a fee or pay interest on a loan it is free untaxed money in the credit union industry. That reason alone is enough to take your busness to a bank