Overall a good financial instituion. It service University and State Employess and their families. Once a member, you and your family members are eligible for life time memberships. The products are fairly standard and generally supperior to the Major FDIC Wall Street banks (.e.g. Citi, BofA, etc). Many of the branches service the student populations at the Universities and has fair and modest fees and terms. Loans and Credit products have low to moderate interest rates. So far no major compliants adn would recommend this Credit Union to others.