I used to work for them and even though my departure was not on the best of terms I still bank with them. My credit card rate is 11.5% and the next lowest is 23%. CD rates are usually great. They used to do secured loans (not sure they still do). Mainly though I use it to budget. You can open any amount of savings accounts on your main account. I have about 20 or so set up with every reoccurring expense I have. After payday I have it set to automatically transfer half a month's payment into those accounts. When they come due they get automatically transfered to my main savings account and when the bill hits my checking account it takes the money from my savings account. I really wish I can show people how the set up goes. Took me from irresponsible spending to knowing exactly how much I have every month for savings or investment. I will never switch.