I really like the idea of a credit union versus a bank. Customer service is really helpful in person and I like that they have extended hours at some locations. Sometimes getting a hold of a live person on the phone takes a while though, but that is my only complaint. However, when you do talk to a live representative they are friendly and knowledgeable. I don't feel rushed or treated like another number. They really try to work with you and address your questions or concerns. Otherwise, I enjoy their rates and them not charging me ridiculous fees for holding or using my own money like the big name banks I have used in the past. They offer competitive rates for car and home loans too. I really would recommend America First Credit Union for your banking needs.