So in today's mail I find a notice that I am delinquent in this month's vehicle payment. That set me on the trail of what happened to the check that was written out and mailed seven days before the payment was due; normally two to three working days after the check is mailed it is processed. A check of the credit union's member service department reveals that the check has never been cashed resulting in my spending $30 to stop payment. Then when I call the credit union where the vehicle is financed I am told that I owe a $15 late fee on top of the payment. I was instructed to go to a financial center location in town and make my payment there to get quickest action in posting to my account. Unfortunately none of the credit unions we deal with accept online payments of any kind. Gee what an expense that was, $45, all because the post office lost my letter!! Credit unions seem to have gotten just as expensive as banks have. Where is the concern for the member.