I've had multiple checking and savings accounts open with ICCU for years and just got a credit card through them. Unlike most of the other reviews here I have had AMAZING customer service with all my accounts. I recently decided to apply for a fixed rate credit card from them online and was approved with a very low rate, despite having a short credit history (I'm only 20) and their on the phone representatives were very helpful and courteous, especially when compared with my two other credit card banks customer service. When there was an unauthorized withdrawal from paypal that caused an overdraft fee, I called and they immediately cleared up the situation and refunded me the entire overdraft amount; this situation has happened to me a few times and every time they have been very helpful and refunded me the full amount. They did an overhaul on their app last summer and it's very easy to use and straightforward now, I'm very satisfied with my experience using them!
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Great marketing and image but their loan rates are only competitive on NEW stuff. Their interest bearing accounts aren't even close to competitors.