I have been a member of this credit union since 2000. I am still a member. This is where I do ALL of my banking. The staff is very friendly. Their rates are comparable to other banks and in some cases they are even better. I love how they have a Christmas Club account. I will continue to do my banking with Beaumont Area Educators Federal Credit Union into the future. Give these guys a chance at working for you and your money. You'll be glad that you did.