Copper State Credit Union

Satisfied, except for one problem.

My husband and I prefer to bank with credit unions because we feel they are more personal and transparent than regular banks. As far as that goes, we are very happy with Deer Valley Credit Union, which is located in the Phoenix, AZ area. The bank is right down the street from us, keeps convenient hours (for a bank, has friendly staff, and does not charge scammy fees the way Bank of America and other national banks do. We do not have a loan or CD from this bank, so I can't speak to weather their interest rates are better on those products. But we are very happy with our savings account interest rate, which is higher than average.

The only complaint we have--and unfortunately, it's a big complaint--is that the online banking platform has very outdated security. You have to jump through multiple hoops that seem like it is making your account extra secure, like a 4-number captcha, a security image, multiple security questions, ultra-short "timeouts" and other inconveniences. But the password--the thing that actually protects your account--can only be a very limited number of characters. I consider this a major flaw and wish my online banking would be protected by less froufrou and more actual password security.