I've been a member since the 80s and I have never had a problem with them. I know them as U-Lane-O but now they are open to a wider population. The customer service is fantastic, easy to get loans and they have run lots of great programs in the past (and probably present). I used their Discount Auto Buyers service to buy two of my last vehicles. I don't think they have it anymore, but they have all kinds of other great things. Free checking with direct deposit. No comparison to any "bank". Way better.