I've been with them over 20 years; borrowed from them only once ($8400) and paid it back like clockwork, paying it off early. My credit score is around 700, I have only a modest house and car as debts, no other loans or credit cards. I cannot borrow ANYTHING now because their corporate underwriters in Lafayette will not approve anything. Officer in Monroe told me "we have a 3-tiered system and you are at the bottom." Yes, that is exactly what he told me. They have a lot of nerve passing themselves off as a hometown bank...