They were the only credit union around the South Florida area that accepted to refinance my 6+ year old high mileage vehicle, and with very AFFORDABLE and MORE THAN REASONABLE terms. No other bank or credit union would even bother speaking to me. At the end of the process they also offered me my first credit card. Keep in mind my credit was just a year old but they recognize that I always paid my bills on time. There are no minimum balances on several of the savings/checking accounts they offer. Customer service is great. I'm glad I chose this credit union.