I initially applied online, whic i understand applications if not finished you have to reapply, coll! i go to reapply months later login denied and etc, etc etc. I decide to go into a branch day one I didn't wait too long about 15 minutes, but after being told to bring back more paperwork I do the next week .I sign in and I literally am in there for a hour and get told someone will be right with you in a fe wmiutes which turned out to be even longer. I then walked out. I think i'll just stay with the credit union I already have.