Kindof scammy and creepy. I may be spoiled by California credit unions, whose charter is to serve their customers' needs. One Nevada instead acts like a big bank - out for their own profit. They charge for everything like money orders and checking accounts and notary - these are all free at Wescom. And their loan rates are seemingly quite high.
Oh, here's the scammiest - they charged me $35 to wait four days to notify me by email about an overdraft. We know why they waited to tell me I didn't have enough money.
And, their courtesy sucks. I can't tell you how many times at several different branches I was left with the impression they were doing me a favor.
Try another credit union folks.