I had nothing but negative experience with the credit union, however the latest issue was the final straw. I've had an HSA card that could not be used, to access the funds in the HSA account After more than a dozen phone calls I was advised it was not their fault, but the chip that they were now required to have. The chips have been used in Europe for 25 years. Everyone I spoke too was incapable of helping and seemed very undertrained. Even the manager didn't have any idea what she was doing. They ended up having to close the account and send me a check as they didn't know how long it would be before I would have access to the funds. If your looking for a credit union TFCU is he way to go.