I’m all about credit unions over regular banks. Okay, I use both, but I’ve had many years experience dealing with Oregon First Community Credit Union. We are huge fans, and will continue to do business with them for as long as they continue to treat us as they always have. With dignity, respect, and believing in us. Sound strange? Have you ever tried negotiating funding from an institution that has no personal belief in you or your capabilities? Once you’ve had the«respect» factor, you won’t want to climb anyone else’s hill to get what you’re after. These folks make doing business friendly, painless, and they seem quite understanding about trying times for locals. If I were recommending where someone starting out in banking should go — I’d definitely suggest they try OFCCU first! We love our branch.