Our credit union provides decent service so far as anything that really matters, but keeps comming up with incidental stuff that's pitiful. We took out a home improvement loan a few years back, and they gave us a steak knife set. Never even unwrapped it until a couple of months ago. You could say it wasn't of the highest quality; you could say it consisted of a very rough block of wood that looked like it had been dipped in the varnish, with so-called knives that weren't really even usable. Absolute bottom-of-the-barrel Chinese crap. Our account statements regularly come with "bargain" offers for assorted gadgets that are commonly available for substantially less.