I use to work for MCU when I was 21, it was an okay job, pay was good for me at the tie, heyi was 21, lol. As a young adult, I messed up my credit, had no choice but to file bankruptcy. My loan from MCU was included in my bankruptcy. I went in recently to get a SECURED loan and they denied me, which confused the heck out of me since it was my money being put up for the loan. I ma trying to rebuiild my credit, but becasue I included the balance of the loan I cant get anything from MCU anymore. Thanks for the second chance MCU, crazy thing is I make over $100K now.