When I first moved to Houston, TX 3 years ago, I had stayed home with kids for 2 years, and my new job was as a temp employee. HFCU let me open accounts with VERY SMALL deposits. Everyone else wanted these huge deposits, and had fees for going under that amount. Or, I had to spend a certain amount of money with my debit card per month. It was ridiculous and scary. HFCU gave me a chance, and I have been with them ever since. I don't have any loans here, yet. I only use one branch, but everyone is very friendly. It reminds me of the small town bank I used to use. I really like it.