I have used Desert Schools FCU for over 15 years. In the last year they have provided the worst banking experience. They're ATMS frequently are out of services. Their process for deposits have failed. They randomly freeze my son's account for debits that don't exist. They had process issues over the holidays that block us from using our own money while on vacation! The people they hire know nothing about banking and are not empowered to think or problem solve. I have 8 accounts with them including a business account. I have used them to finance my house and cars. I will be closings all of my accounts and loans asap. If you are looking for a great financial institution this is not it.