I used to have my savings in the credit union and I found when I needed money for something, I had to wait a day or two for it to be transfered and it was just annoying to wait.Yes i do the same with online banking.
But because of that it's easy to move the money around in an instant
The credit union is slightly more removed
Insofar the house deposit, you might want to accelerate that because of the cost of rent.
The mortgage monthly won't cost any more than what you're already paying in rent.
I told myself when my debt was done, then I was going to start sorting my banking account out and making separate savings accounts and man have I made it a look clearer now. I can see my wages clearer when I get paid and I don't need to hop and change savings to suit whatever needs doing. Its been great so far.