I have a savings, mortgage and HELOC with them. Great rates, but pay heed to the stories in the press. If you become too expensive, meaning making too many calls or making too many transactions, they could ask you to leave. They have booted customers for calling the 800 number up too much and they have said people that do things contrary to their goal of promoting a savings culture could be told to take their business elsewhere. It is a leap of faith for many, you have to be a very internet based person to do it though. You get almost no documents from them and have to regularly check your accounts to make sure things are in order. The home loans are only the ARMs so you have to be on a somewhat set plan for your housing needs right now, because 30 yr mortgages are only about 60-70 points higher than a 5/1 ARM, so if there is any chance you stay more than 5 years you are better off going with the longer rate lock. The big difference with them though are the fees are extremely low and they asked me for almost no docs to get my loan done; I think they preapproved me just by reading my credit report and knowing my habits from my savings account.