I made the mistake of joining this "co-op" and thought I was doing something good, like helping the employees by shopping there. In return I get nothing but JUNKMAIL, every week for the last 6 months I just get more and more junk mail about the REI MASTERCARD, guess what, I didn't want the REI MASTERCARD last week and I don't want it this week. I have CANCELLED MY MEMBERSHIP and will never do business with REI again. I'll just by all my my outdoor gear from Amazon now.