I can't say enough nice things about UFCU. I have been a member with them for 17 years since I moved to Austin. I have had debit cards, credit cards, checking accounts, savings accounts, refinanced an auto loan and took out small short-term loans with them and never had any issues. Their staff is always friendly, appreciative of my business and provide suggestions on how to improve my accounts without being pushy like many other banks. The only thing they have not been able to provide is foreign currency when I travel internationally which hasn't really been a big issue.