I have been a member of L'Oreal USA Federal Credit Union since I believe 2004. I have had wonderful experiences with them ever since.
Over the years they have lent me money to help me consolidate and pay off high-interest credit cards, finance or refinance vehicles and just give me overall credit and money-management advise.
I have dealt with Kristina, Laura and Mary over the years. I believe that the idea of a credit union is a wonderful thing. They provide their members with personalized care and consideration when it comes to lending. They understand that a credit report is just that. A report. They ask questions and find out "what exactly is this?" Not just arriving at assumptions based off a 3 digit number that is a very intricate, moving target.
If you ever have the opportunity to become a member of this organization, do it; even if you don't think you'll need it. I am glad I had when I was able to and don't regret it one bit!