Terible, terbile credit union. I have never had such a bad experience with any financial insitution before. You have to wait in line for about 15-20 mins to get to a teller. I went in to add my spouse to my acct and order checks and I found out a week later that he was never added and checks were not ordered. I got fed up and tried to close my acct and they want to charge me a $10 fee to close. Terible service. You can never talk to anyone. Whenever you call, you have to wait a long time before they will get to you (ie. on hold and are # 5 in line). Oh, I wanted to open the acct on 2/28 and they wanted to charge me a $6 fee because I hadn't had a direct deposit go into my account for the month of Feb. I wish I would have never walked in the door. They even want me to pay them just to leave!