I fully believe that if this business wants to continue to operate this way, it needs to cut it out and start calling itself a bank. If you want a basic checking/savings, this place is fine. Anything more, however, and it's indistinguishable from any other soul-free, money-grubbing disaster. Until then, I can't recommend this place to anyone, because it's been nothing but an absolute disappointment. I'm currently looking for alternatives, and I will switch the moment something suitable is available.
TL;DR: DCCU is really bad for a credit union, find another union or settle for a bank.