VFCU has been excellent. I have received incredible service, and their service stayed the same even after I moved out of state and have communicated via email and phone with them (as needed). I decided to keep banking with them because of how great they were, and I am certainly glad I did. I have utilized a variety of their banking products to include a credit card, primary mortgage, HELOC, 2 auto loans, and I have a checking and savings with them. I have have received the most competitive rates and the best service out of the 8 or so different banks/CU's I've had in the past. I couldn't be happier in my banking experience!