You have to fit into certain criteria to be a member of this credit union but it is a great place to bank if you fit that criteria. They have a wide variety of programs and services with competitive rates. They have online banking which I really like, but I do wish they updated the site more frequently. They do not have very many locations, one in Park View, one in VMRC and one in Dayton. The employees are all very nice and it's a good atmosphere to bank in.