1 /5 Ralph Thornhill: For the fourth time this summer, I went to First Central Credit Union to get 3 rolls of quarters for a prison visit. For some reason today, she told me, rather abruptly, I couldn’t get any quarters because I wasn’t a member. Somebody explain to me why they have this policy. Why would anyone want to become a member if they treat people so rudely? I need a bank in Brownwood, but it won’t be this one.