DUCA or FirstOntario?

Live in the GTA and deciding on the two to open an account with. Duca is good because they have GTA branches, but FCU seems better as they have a higher rate of interest on their accounts.

Both offer few free chequing accounts (Duca charges a membership fee of $5 yearly)

Anyone in the GTA that use FCU religiously for their banking?

Please keep the thread related to the two I mentioned. I know the other options available and im not interested in them.