The reason why I am firing them is their Visa Card, and the fact that it is incredibly unreliable outside of the State of California. The good news is that after spending over an hour on the phone with the SFCU and companies working for them, I now understand why. And as a result I would not recommend anyone who does a significant amount of travel to bank with the Stanford Federal Credit Union at this time.
The event that triggered this post was me picking up my rental car when arriving in Europe. A very friendly representative told me that unfortunately my visa card was declined when trying to charge a $700 deposit on the account. That was odd. The card usually operates as a debit card (with either signature or pin based transactions) and the account had well over $10k on the account. It was also odd as I had used the same card at the same agency 9 months before without problems.