I'm new to credit union banking and so far it's been amazing... makes me wonder what i was waiting for. Great accounts, especially the checking, mine even pays interest and a lot of is- 3.25%! The credit union also finance my new car. The process was simple, they gave me a pre-approved draft so I could take it with me as I went shopping at dealerships. No one could beat their loan rates! Thanks floridacentral, I'm a member for life!