I need a loan for school to pay off last minute expenses but didn't have enough credit; so I applied for a credit card and received it therefore, been doing very well building my credit off of that. I also applied for that personal unsecure loan since unfortunately JDCU doesn't have student loans for my college but I was accepted for that personal unsecure loan to help pay off school. I've been with them since I was six years old, now being twenty-one with eighteen years of helping me in any matter especially when charges came up on my debt card the issue was fixed immediately and received my money back. I'm looking forward to doing a business loan to get two of my businesses up and running with JDCU. Affordable loan payments that I can easily double and pay off quickier, one credit union I wouldn't trade for!