Best experience at a credit union in many years and have not had any real bad ones. Very efficient and knowledgeable staff. Have had Sooooo many very bad experiences with banks over the years especially wells ago. I tried to join Navy a few years ago but 4 years AF, Vietnam, 23 yrs FAA, still didn't count. Then I was pleasantly surprised to find they were accepting veterans. I signed up immediately. Highly recommend for Vets. Get far away from banks then run!