The document reviews the user experience of a credit union website from the perspectives of Kate, who is interested in becoming a member, and Adam, who needs an auto loan. The review finds that the website feels outdated and lacks compelling reasons for joining or engaging with the credit union. Kate couldn't find any information on benefits of membership and had difficulty navigating the site. Adam received some useful information but the site failed to capture his contact details as a lead since the only option was to fully apply for a loan. Overall improvements are needed to engage users and clearly communicate the value proposition through a more modern design.