Because I don't get it.

After hearing people rave about CUs I decided to look into some, but the way we use our bank would cost us more with CUs.

I don't carry cash, I HATE carrying cash.

At the moment we pay $10 per month, all fess inclusive (bar nonbank ATM's). This is a joint account and we both have access to Visa Debit also.

With the CU I just got off the phone with, I only get six EFTPOS transactions free of charge. I would swipe nearly every day, so that's [all other days of the month] 22 x $1 + other ATM charges if needing cash...

What's the point? When my major bank is $10 per month, which we seem to avoid paying now because we deposit $4/5000 salary per month and the only thing I have to pay for is the stupid new ATM reform where if I am an XX customer using YY bank I get charged whatever YY bank stipulates.

Am I missing something?

I understand they might be better for loans or credit cards but our C/C is currently interest free and the only loan we need in the future is perhaps medical so needs to go through specific companies.