I have been doing business with the Stephanie branch for four years. I look for services at a good price. The cheerfulness of the tellers isn't important to me. If they impede my doing business with them, then I would be concerned but that hasn't ever happened here. I have a safe deposit box which is bigger and cheaper than the local banks. I have a car loan that is more competitively priced than the local banks. I take my loose change in and use their change machine (free for customers) and really appreciate that service. I am very happy with the credit union. My one complaint is there website/internet banking. Definitely outdated and in need of a total upgrade. Maximum transfers are too low and system itself is very slow. I maintain only a small checking account here and use others for my main checking. If I didn't, I would be very frustrated.