They use deceptive practices and punitive fees normally associated with banks. Before they were purchased by Chartway, they were a completely different bank, Small and sensible. Now though they use vague terms in their membership agreements to block access to accounts of other individuals based on tertiary relationships within their system. For instance they will lock the account of a cosigner, if the loan originator is over 30 days late on their loan. This can include charging off zero balance lines of credit of the cosigner.
For this reason alone, I a member of Heritage West Credit Union for over 30 years, have to recommend that all others run from this institution as I am also departing as quickly as possible.