I have been a customer for over 40 years. They don't always have the best rates but I do believe that they just try to represent their share holders the best they can. I am totally satisfied.
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I have been a customer with LFCU since 1975 and find their financial rates outragous compared to other financial sources. I have never missed a payment as I use auto-pay and have a good credit rating however they still charge 1 percentage point more that other CU's and refuse to lower their rate. I am paying off what little I own them, close my accounts and never do business with them again.
I have a credit card that has 7.4% APR and will continue using it for my purchases as they appreciate your business. LFCU is big business and doesn't care about the civilian of military customers other than to rape them as long as they can. Their service SUCKS.