ANN ARBOR, Mich. (AP) -€” Consumers are less satisfied with their banks and health insurance plans than they were a year ago, according to the American Customer Satisfaction Index.

The survey of nearly 7,000 consumers found that rising bank fees were the biggest reason customer satisfaction for banks slipped to a score of 76, down 2.6 percent from last year. The decline nearly reverses two years of improvement for retail banks.

But credit unions are different. They enjoy a customer satisfaction score of 85, the highest among all financial services.

Another sore spot for consumers is their health insurance plans. The ACSI found policyholder satisfaction fell 4.1 percent from last year to a score of 70. It’s the first drop in three years.

Although the Affordable Care Act is changing the health care landscape, employer-provided group plans are still the biggest share of the industry. Satisfaction with those plans fell sharply, dropping seven percent to 67. The customer satisfaction score for individual plans held steady at 74.