I've been a CCCU member since April 2014, I now have a Auto loan, checking, savings & unsecured credit card. I have nothing but good things to say about this bank. They have approved me for my auto refi where some banks have denied me! I love the online banking, transfers & ability to pay my auto loan & credit card with just using the transfer accounts transactions! Their site is very user friendly! The staff I've delt with at several locations (Water Street, Wigwam & N Tenaya) are very friendly & informative! I do have to agree with one of the previous reviews ... They are in much need of an update on their ATM's.... They are not just 10+ yrs old they are 20+ yrs old maybe even older! But work! However, I don't agree with one previous review where they charge fees if you don't get your $$! I've never had that experience at any ATM for that matter!!! Or the other review that stated they were charged $50 teller fees! It's not a fee, it's a savings account amount that keeps $$ so you can stay active as a member (it's still your $$, you'll get your $$ back when & if you close your account)! They are actually very reasonable! There are plenty of locations & if you need an ATM outside of the actual bank ATM... You can just swing by any Walgreens & use their ATM there at no additional fee to you if your a CCCU member .... They have Walgreens every where!!! So far so good