long time customer I have been a Patelco member for about 10 years. I have had excellent service and they always have good loan rates. The are a member of a co-op network, so you can use any other C.U. ATM that is part of the network for free. Their web site has a locator to help you find ATMs, which makes it nearly the same availablitity as big banks. Their fees are low and easy to avoid, and it's nice to do business with a company that's not totally evil. After working for one of the major U.S. banks, I'm glad I do business with one of the little guys.
Great rates, great service I've been a member for three years. I use the SF branches. Free checking and on-line bill pay, and low rates for car loans and credit cards. You can xfer cash from your card for no extra fee.
Credit unions Patelco is great - I'm a member of Provident - and Patelco is a service center for all CU's (you can deposit etc at their branches) and they're quite friendly. There's one next to Lake Merrit across from the old Pac Bell building.