We both love credit unions. The free-market think tank we lead considers them a vital part of America's financial system. Professionally, we've worked with credit unions, their trade associations and fellow credit union members to fight off taxation efforts and raise the cap on member business loans.

Now, however, we'll be withdrawing almost all of our funds from the credit union where we've done business for the past two years and depositing them in a big national bank. We aren't doing this lightly. In fact, we soon hope to find a credit union that better suits our needs. But in the meantime, we hope we can offer a few lessons to other credit unions that want more small business members.

To an extent, our decision was driven by the things that credit unions just don't or can't do. Our organization – which can have as much as $1 million on deposit – didn't have access to some of the kinds of services we all have on our own personal accounts.