DM is a local credit union that is really great. They are open to basically everyone and although you have to qualify to join, there are a million ways to qualify. The best part about banking there are the low fees. There are no checking account, VISA or other annual fees that you have to worry about with regular banks. They usually have the best rates for car loans, home equity loans and personal loans. They have a special savers program for kids too. They are growing pretty well and have several branches in the Tucson area, from the far east side to the north side. Everyone I have encountered there have been really helpful and nice. They have a referral system too, if you get other people to join, they usually give you like $30. Not too bad!