Question in regarding to Credit Union credit cards

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Those big banks offer credit cards in favor of your spending, but they might also charge you high interest rate as they are allowed to do so. Sometimes, they would impose some unnecessary protection plan on your card regardless you make agreement with them or not. Recently, I just dispute this protection plan being added to my monthly charge, and the customer service wasn't helping at all. So, I decided for all to get rid of this card. From my research, Credit Union credit card might offer better service, and they won't give me some unnecessary plan I won't need it. In addition to that, they have lower interest rate. But what about the credit limit, would it be lower too? Has anyone used any of those credit union credit cards?