I have been a member for a long time. I even had a previous account with them years ago. I have always been in good standing with this credit union. However, when I applied for credit they denied me and my husband BOTH times.....even with good credit. I am closing my account and switching to Greater Texas Credit Union where I opened an account and got an approval on a loan on the same day I was denied credit by this worthless credit union! Not to mention it took them three freakin days to tell me NO! I recommend ya'll go somewhere else. I even asked them what other options I had and they told me NONE!!!!