been a member for 30 years. No issues. No they are not bargain basement cheapest. They pay claims and answer phones whenever I need them. smartphone app is easy to use. If you want, you can have 10 accounts, one for savings, one for "college" one for "emergency fund" etc all under one master account. I am sure other banks offer that but I would not know.
have not noticed any "downgrades" in performance but I respect everyone's opinion.