I have a hard time giving them even one star. I purchased an auto loan from a dealership about 2 years ago and they did my financing at Heritage West Credit Union. Their customer service agents are very rude and not helpful at all. Their phone system is a joke (as is their online banking system), and it takes nearly 15 minutes just to get somebody on the phone. Then when you finally do get through to somebody, they are extremely inpatient, I have been put on hold multiple times trying to resolve minor issues. Have been told that somebody will contact me, that was 4 days ago and I still haven't heard anything. Very poorly run credit union. Re-financing my loan and closing out my account there. NEVER taking anything out with them again and would never recommend them to anybody!