L & N Federal Credit Union

unknown

After years of harassment and fees and fines from Chase, Bank One, and US Bank, I'm just kicking myself for not using L&N Earlier. For starters, my mortgage payments at L&N are the exact same amount as US Bank. The significant thing is, though, that it went from being a 30 year loan at US Bank to a 20 year loan and L&N. I understand that rates change, but this was in a very short amount of time. I tried to make several appointments with my officer at US Bank, Patti Strickler, and received absolutely no communication. She didn't even show up for our meeting at her office downtown, and I had to give my paperwork to someone else. I mention this because it is the polar opposite of L&N. To this day, my contact at L&N recognizes me, asks about my daughter, and is genuinely nice. Going through the mortage process was actually pleasant at L&N. The rest of my accounts are just as great. I've never once gotten any kind of hidden fee or fine. Never. Every time I walked into Chase, they would look at my account, harass me, and call a manager over to try to strong-arm me into getting some kind of special, expensive account. At L&N, they are just helpful and friendly. And I say that about EVERYONE there. It must be a good place to work, because the staff is amazing. The credit card is just as easy. I have no weird programs, no fines, and the lowest APR I've yet to find. It's simple, and there is no backhanded program attached to encourage me to spend more. It's just simple and cheap. Then, after my first year, I got a preferred customer refund out of nowhere. I just got a check in the mail. L&N obviously puts member wellbeing before anything else, and I can't explain how much it's helped me out as a "new" father, husband, and homeowner.