My 1ST experience, 2004, was awesome! I bought another car about 4 years ago, lemon, LEMON!! I returned it the same day and was told there is not a lemon law. Ahhh, yes there is!! They did take the car back. I tried again yesterday to buy a car through Centennial, The AZFCU auto member service center. They can't get the dollar signs out of their eyes long enough to be of service to this member. It's like dealing with the dealership. I dealt with the dealership and got a great deal. I think I'm done with Centennial.