I have purchased several cars and financed them through AZSTCU, and have been a member for over 20 years. The service is excellent, the people are friendly, and they offer great loan rates to their customers. I am also a member of the other credit union in the Desert, and AZSTCU has offered me rates that were 4-5% LOWER than my other credit union (which I have been a member of for over 30 years). Yes, there are fewer branches than I would like, but the personal, inexpensive service is well worth the travel!