1st United Credit Union in Fremont, CA

Beats the banks! I am a Bank of America refugee, after the terrible long lines, horrible and rude customer service, and just plain terrible terrible terrible everything about Bank of America. So I moved my banking to 1st United Credit Union, and now I am a credit union fan. If you are banking with a bank, consider a credit union. They are more like a community- and shareholder-owned establishment. Excellent customer service, better rates - everything is better except not quite as techie as the big banks, and some trade off when it comes to ATM. But I substantially lowered my interest rates, and really enjoy the "small town feel" of this credit union.

I am a member of 1st united union credit services and am not a fan what so ever. They don't mail you invoices reflecting what is owed and they make it extremely difficult to pay your bill online. I'm 26 years old and I can only imagine how hard it is for someone much older and less computer savvy.