1 /5 Ryan: Do not use them. Credit unions are supposed to be for customers; its not supposed to be like big, cold, heartless banks, but this one is. I sold my truck two days before my payment was due. The payment is taking longer than expected, so I called to let them know it was on the way. I asked if they could help a long-term customer whos never had a late payment, just extend my grace period a bit. They said, "Nope, youll get a late fee." I explained I used my monthly payment towards the down payment, they didnt care.