CU of CO has always, always taken care of me, unlike another Colorado CU. Even though their online loan process can be a pain, as someone has to review it; they have worked with me every time I shopped for a loan. While I ended up at a different bank - huge mistake, btw - they still took great care of me. I wish they would have matched the interest rate, as it was only a couple points and now facing cancer I could really use the payment protection I would have elected to get - that isn't offered with the other bank. I have been a member almost two years and they have made every bill payment, covered a couple of overdraft emergencies without killing me financially, and if I had taken their loan with payment protection I would not be about to destroy my credit.