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I am a member of this credit union, after my best friend told me about it a year ago. I find that some of their rates are really great right now. They don't use check system either when you open a checking account.
Their LOC is now 6.50%, MC Platinum 7.49% Auto Loans, 4.48% purchases. But remember, you must reside in the state of California in order to take advantage. The only thing I think is strange.
I heard if you apply online, you get a quick response.
Cory