Orcutt Federal Credit Union is a very small credit union. They don't have any ATM's or anything like that and they have a very limited amount of cash on hand. They are mostly there for loans and will also print out cashier's checks and the like. The ladies that work there are very nice and really care about their customers. The reason that I don't give a higher rating is because of the credit history portion of the business. They do not report to the credit bureaus (unless, I'm sure, there is something negative to report). I used them because they had decent auto loan rates and because I wanted to build a credit history. Well, after faithfully paying off 2 auto loans without one late payment, I found no mention of it on my credit report. I asked Orcutt Credit Union and they told me that it was too expensive for them to report to the credit agencies, so they do not do it.
Bottom line, if you want to do business with a small place and get some good loan rates, and don't care if it builds your credit or not, then Orcutt Federal Credit Union is very good. They have good rates and great customer service.