If I could give this Credit Union less that 1 star I would make it -10. I had a fraudulent charge for a LARGE amount of money put on my Vystar Credit card. I called fraud as soon as I saw it when it was just a pending authorization. They cancelled the card and created a new number but thaey paid the fraudulent charge and transferred it to my new card. It took 4 trips to the branch, 7 emails to the corporate office (including the "Leadership Team" email address to which I never received a response), and over three weeks to finally get this resolved. In the meantime, they reported this huge fraudulent balance to the credit bureau which caused my score to drop by 48 points! Several of the people I did talk to were rude and suggested that maybe I was using my card "unsafely". I moved all of my money from the credit union two years ago when the botched the website roll out after over 25 years of loyalty to the CU. I don't know what has happed to this organization but I would NEVER recommend them to anyone!!!