Client Review on Arizona Federal Credit Union - Superstition Springs

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I have an auto loan with AZ Fed that I have had for 3 months. Worst experience and car loan that I have ever had. I had an emergency today and couldn't drive my payment down to them before 6, so I called when I got home at 5:45.. I have to drive my payment down to them because their membership fee is not worth it when I already have a bank account with US Bank. I do not know if I spoke with someone in the branch or just on their call center line, but the first gentleman was very understanding and said that we could do an ACH payment over the phone but that there was a $5 fee... I agreed since I didn't want to pay a late fee and he transferred me to Abel. Abel started off by saying that the payment would still be considered late using ACH anyway and that unless I paid $18 to use my debit card, it would post in 3 days.. I did not want this option and explained to him that the previous man had said he would waive that for me to make it tomorrow, so I'd prefer that. I also stated that I did not understand why it is so hard to make a payment with them just because I don't want a second bank account. Abel mentioned that I had been late before and I said that I had not. I am two payments in and I have paid 2 weeks in advance both times. Without explaining to me further, Abel hung up on me. It was past 6 and I can't call back or race to the bank to make my payment or catch anyone there... So now it is late and I have to drive there tomorrow to hope I can get this fee waived. I have never received such blatant disregard for someone who was willing to make the payment today, wish me luck when I visit the branch tomorrow..