I really believe that credit unions are, in general, a much better place to bank than commercial banks. In order to join the Washington State Employees Credit Union you must be a state employee or have a family member who is one. Once you are a member, it doesn't matter if you are no longer employed by the state. With the exception of their mortgage department, I have always been very happy to do my banking at WSECU. There are no fees for checking or savings accounts, interest is comparable to commercial banks, and members are shareholders in the business. I highly recommend it.
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