OSUCU creates a community centered image but they are as greedy as the big banks with rigid policies. Once they have a loan from you you are locked in unless you go somewhere else. They will not rewrite the loan or give a new one at the current lower interest rates...WHY?...because they no longer make those kinds of loans. Makes sense, right? Can't revise a loan because they no longer make those kind of loans!!! Yea, right! No communiity sence to me...just greedy...just like the big boys.