Not even a member yet—being converted from 121 FCU and I’m already unhappy. Was told my 121 credit card had to be converted and it never arrived in the mail. I called after the arrival window for the card ended to get it resolved and they said they can’t help me until next week, then it will take 7-10 days to receive it (once they finally can order a new one). If I would like, they said that they can put a rush on it, at my expense…which makes no sense to me. I didn’t ask for the credit card to be converted, I didn’t lose it, I didn’t decide the original one should be shipped with no shipping confirmation, and now I am potentially at risk for not having a card to use if anything goes wrong with the conversion of my debit card or if I have fraud on my debit card i the interim and need to shut it off. On top of all that I was disconnected three different times when calling and spent over an hour on hold with people. Just wow.