I was looking at the rewards checking -- are the rates higher for the checking accounts than the savings accts or am I looking at it wrong?
That's correct, on the first $10,000. It pays essentially nothing after that.
I bank with them. I haven't borrowed money from them, so I can't speak on that, but their online banking is nice, especially for a credit union. The rewards checking has a good interest rate, no fees, and will reimburse up to $20 per month in ATM fees if you meet all the requirements (which isn't difficult to do), so you've basically got a nationwide ATM network.