We’ve had great experiences with Scott Credit Union. I was on a recent business trip when I received a call from the Troy branch office after hours. They explained to me that my debit card had been compromised at a local business. Due to privacy issues they wouldn’t reveal the name of the business until the investigation was complete but they shut down my debit card as a precaution and got me a new one the very next day. We have also refinanced our one and only car note here with great success. Their rates seem to be lower than other lenders. They have free checking and free on-line bill pay. You can go wrong here.