Although I have been an account holder for over six years now and have made an auto loan and personal loan in the past. They have denied me from getting a loan with them. I still have a personal checking account and savings account while being an account holder of my sons savings account also. You would think I have proven myself to them as someone who would pay back loans I have made. No not at all and if you do not have near perfect credit with no late payments that is the customers they want. The average person with an established reputation means nothing to these people. I will put my money elsewhere as soon as possible and never bank with another credit union again.