Hi saren, I would suggest more appropriate forums for this topic are...
Red Flag Deals:
Personal Finance
Financial Wisdom Forum
Canadian Money Forum
All are Canadian so you'll get more exposure to more people who are more knowledgeable about this.
I'm in ON, not BC. CUs are provincially regulated. I don't know how your CUs differ from ours. Here in ON I would choose PCF over a CU. PCF incidentally is operated by CIBC so you should be able to use the CIBC ATM network without fees.