I just joined them for my auto loan. They were a great experience in regards to applying for them. A loan officer emailed me back and forth during the process in a very prompt manner. Process overall was very smooth. I've only been a member for about 2 weeks though so I can't provide much more insight then my loan application was fast, smooth and I was very happy with it overall.
I have them, I love them. They're my front runner for my refi. I've had them for years and years. I love that if you overdraw checking accidentally, they charge you $2 and transfer it from savings. One thing I found out recently about the credit cards is that you can do balance transfers with no fee - so 8.99% interest on a balance transfer, but no 3% to transfer it. Also, they have 2 credit cards. one of them is the 8.99% with no rewards, the other is the 11.99% with cashback rewards. The mortgages are handled by MemberFirst, but you can see a UMCU loan officer.
When I applied for a car loan through them, they offered me a higher rate than the dealership did. But I got a TU score out of them, and then I asked for a CLI which they just used the HP from the car loan for. They'll do that within a month of the pull, so any time you have them pull your report, check on the CLI for the credit card, too.
What is the loan for?
Oh yeah, you said that earlier in the thread!
Some people like to take loans out to build their credit, which I think is crazy when you already have a credit card. You'd probably lose more points opening up a loan you don't need than you'd get by diversifying your types of credit!
Anyway. Around here, taxes are overdue March 1st, I believe.