The credit union goes out of their way to accommodate their members. They are required to to follow the same guidelines as any other lending institution. Courtesy calls are made on all late payments. It is the members responsibility to make their payments, not the credit union's responsibility to call and remind them. Payments shouldn't "slip" anyone's mind. I have been a member for 20 years. I have had several loans and never had a bad interaction with the credit union. I had surgery and I was unable to work for 6 weeks. During that time they allowed me to skip my payments and add them to the end of my loan without penalty. Great customer service!