Neither the source of your charter nor the name of your insuror is going to dictate any significant element of your BSA/AML program. You should conduct the obligatory risk assessment and go from there. Some credit unions will have risk profiles very similar to those of a commercial bank. Some are exposed to markedly less risk.
You might consider discretly describing your organization and see if a CU or a bank with a comparable mix happens by.
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In this world you must be oh so smart or oh so pleasant. Well, for years I was smart. I recommend pleasant.