I have been a member of the Local 697 Federal Credit Union since 1995. My wife has been a member since she was a little girl. This credit union is wonderful. It is painless to get a loan. Also, if you need to withdraw funds your account you can call them and they will send you a check. I've done this several times and the check has always arrived within 48 hours and usually 24 hours! They have other perks available, too, such as lower cost entertainment books, tickets to shows, and more. I give the Local 697 Federal Credit Union 5 stars!