I haven't ever had a negative experience with LMCU (though I do agree their mobile app is clunky) and I'm having a hard time jiving the other reviews here with the credit union I've worked with for over 5 years. LMCU has been nothing but incredible in my experieince. Super responsive, super friendly, incredible interest on my checking account! I know multiple friends who have auto or home loans through LMCU as well, and every one of them raves about the great rate they got. Maybe it depends on the branch location, but we all live and work in Holland. I personally haven't gone through the loan process with them, but I have had a much better experience with savings, checking, and credit card through LMCU than my previous bank, Fifth Third, which was the worst institution I've ever worked with, period.