O Bee Credit Union offers a generally positive experience for its members. While some reviews mention a strange atmosphere at shared branches, many customers appreciate the friendly and helpful staff. The credit union is noted for excellent service, with employees willing to go the extra mile to assist members with their needs. Customers have shared experiences of quick and easy approval processes for credit cards, highlighting competitive interest rates. The Lacy branch, in particular, received praise for its thorough and friendly service during loan consolidation. Despite minor issues, such as unexpected ACH processes, members often feel welcomed and valued. Overall, O Bee Credit Union is described as a place where members come first, providing a supportive and enjoyable banking experience.