Because I'm a business owner and Third Federal does not do commercial business accounts, I have them for all my personal needs including my home mortgage. I visit two other commercial banks on a regular basis for the business side, and there is a differance between Third Federal and the others. Third Federal reminds me of a Bank from years ago that still operates today. Old school, it has a differant feeling. Employees are more " homey" if that's the right word. They seem like they've all been there for years. A nice feeling that I do not generally get at the other "big branches". The commercial banks seem to have that "corporate feel" to them. Not a good or a bad thing, but it is differant. Third Federal reminds me of your family run bank. Hard to find in the city.