I have been a member of SAFE for 20+ years. Over the last couple of years, their customer service has gone considerably down. If it is anything other than a simple deposit or withdrawal, they will not go out of their way to help you. They messed up my mortgage loan, wire transfers, auto loan, etc. Staff at the Folsom branch are rude. I opened an account at Golden One credit union, who has better rates anyway and was happy to have my business.