Is it service, technology, community involvement?

Trying to understand how to choose a credit union besides what’s “nearby”. Wondering how others assess.

How would people rank their considerations when choosing a CU?

Looking to make the move from bank to CU

I got that today and I'm seriously confused on what it is/means. Is it like a refund? Or do ! have to pay it back. BTW it put $50 into my checkings

Has 7-11 stopped participating in the coop ATM Network? Last time I went it didn't pull up the screen and tried to charge a fee. I wasn't sure if this is just an issue at that 7-11, because online everything still seems to indicate they're included.

Thanks

Does anyone use Truliant credit union? How good are they with deposits and notifications?

Having some trouble choosing a credit union to go with. I plan on moving soon so I need a credit union that doesn't tie me down locally in my town. I'm in the auto industry and I'm looking for a credit union that will be easy to get a high "internal score" for auto loan financing. I'm in Texas and I don't have any close veteran family memebers.

I've been with my local credit union for decades and they've been great up until now. In the last five years they have begun expanding enormously: geographically, membership, and locations have expanded exponentially.

This week I got a letter telling me they are unilaterally changing my checking account. No longer a free checking account it will have a monthly fee. I'm okay with this.

In the same letter they announce that are also enrolling everyone in a 3rd party rewards program / app. The program shares your account activity with the 3rd party and is opt out. I did opt out, but I'm annoyed that I had to call and then go into my branch office to sign an opt out form.

Is this the reality of modern banking or has my local CU lost the path?

Bonus question, why do I feel differently about my bank doing this vs my rewards credit card doing this? I can't quite parse why, except that I knew when I enrolled in the credit card how it was going to be.

Hello, I live in the Inland Empire and I'm on the hunt for a god credit union to put my money in. I've narrowed down my choices to Arrowhead, Alta Vista, SchoolsFirst (I have family in schools), First Financial, Altura, or Wescom. I am a student, so I have limited funds and I'm on a fixed income. I'm dipping my feet into the world of personal finance so I don't know fully what I should be looking for. I know that I should probably be looking for lower fees and better loan rates, but honestly I don't see myself applying for a loan anytime in the next 5 years, should I still aim for better loan rates as future-proofing? All of the CU's I've listed are local to me (within 5 miles) and from my research all are pretty similar in features offered. Of these 6 unions, which would you recommend to me as a student who wants to save as much money as possible and remain financially independent.

Hi folks --- I'm a longtime SDFCU customer. Is anyone else unhappy with the site redesign? They've hidden the bill payer function and eliminated the money management tool. After 40 years, I'm going to look for a different credit union. But am wondering how others are taking the site redesign badly or if I'm overreacting. I feel like their removal of all my categorized transactions as we're going into year-end tax-planning season was a seriously idi0tic move.

One thing for sure. You should block the number on the back of your card. The 800-358-8228 number, I would even block the 925-754-2273 international number too. The reason is that Patelco never calls from those numbers, both numbers are for you to call Patelco. I have been a subject of fraud attempts twice now from calls from the 800 number. They have a way of spoofing Patelco's number such that it appears on your phone as Patelco. But a close look at the number on your screen while ringing,there are couple of special characters and a 200 behind Patelco's number. Just block them and you won't have to worry about those fraudsters. By the way, I had to have my debit card replaced due to an attempted fraud from North Carolina, have just had the new card about 2 weeks now, and the fraudsters already have the last four digits of my card! They somehow added it to Apple pay! I could get rid of Patelco out of anger but the info is already on the dark web, so I do what I always did. I freeze my credit agency accounts, I don't use my debit card in public places, especially for buying gas or having to hand it to a person. Years ago the sweet girl at the ice cream place scanned my card and before I could get home she had purchased and sent two pair of shoes to her house!

Please forgive me, I work for a third party company which handles different banks/ credit unions and I still don’t understand why everyone is doing online banking digital conversion. We are told to tell customers that is to make things easier and more convenient online. But I’m starting to think there may be a different catch

Hi, I was wondering which of these two credit unions is overall better? I want to start moving away from Wells Fargo and want to try a local credit union. There are coastal branches pretty close to where I live (Raleigh) and a langley branch thats about 25 min away.

I dont really see a lot of people talk about Langley so thats kind of putting me off a little. Coastal however is pretty well talked about in the Raleigh area and seems to have more reviews overall than Langley.

I see no one talking about it online, and a part of their website has an error, which makes me a little suspicious. Looking on Google maps shows locations though. Does this Credit Union actually exist? Anyone have any positive or negative experiences?

Im debating on joining Credit Union Of Southern Cali OR ArrowHead CU

what credit union is better? I live near both so distance isn't an issue. Please share your experience with whatever CU you currently bank with.

I am trying to purchase a home the end of next year . I was wondering what type banks should I start banking with to build a history to try to get a home loan by the end of the year .

Any thoughts on the Atlantic federal credit union? I’m trying to get into unions and I found this is most local to me

Does anyone have any recommendations for a good nationwide credit union. I would ideally like an all-in-one financial solution and am looking for a few specific things:

• A cash back checking option (I currently have a Discover Debit account that offers 1% cash back on transactions) or a strong cash back credit card option

• A good interest rate on savings

• A good mobile app with budget capability

• ATM availability

Any ideas are appreciated!

Hello I’m 18 (first time buyer) looking to put around $10k on a auto loan, I was originally planning on doing it through a dealership but after some research I quickly realized it would be much smarter to do it through a credit union. I was wondering which credit union is offering the best rates in Florida and the best “membership.” Also, I was also told to just do my financing through the manufacturer’s credit. I’m kinda lost, someone PLEADE HELP😭

Anyone knows why many CUs are showing a message “We are updating our system. Try accessing this site later”. As far as I know they usually do it at night and send announcements

Please comment w/ adjustments to this list. Thank you!

Can anyone tell me why golden 1 has delayed direct deposit processing? I used to get my checks first thing in the morning and now I have to wait until late afternoon

Hello I currently have my own account at our local credit union. I opened up a joint acct with my husband in hopes of getting another personal loan to help his credit. Will the credit union allow me to have another personal loan out but on the joint acct? I have a personal loan already with my own acct.

Anybody else in Saskatchewan not get their GST payment direct deposit today through Credit union? My daughter got hers, but she’s through ☎️RBC💰??

Hey there. Im attempting to arm myself with more knowledge about terminology that CUs use. I already have the www.mycreditunion.gov site for their glossary. Is there anything that employees that work in this field can also point me towards to gain more insight? I work with Credit Unions and do not come from a financial background so I'm am seeking out of the box help.

I’ve been dealing with them regarding a payment that was intended for me but sent to a nonexistent account. Usually, when this happens, the money is returned to the issuer, but Patelco is just holding it. This happened during their hacking debacle, so I was pretty patient, but after dozens of emails over three months, they’ve refused to resolve the issue.

I told them I would be reported them to the CFPB and DFPI, and since then, they’ve stopped responding.

Do banks/CUs typically stop communication once you escalate to regulatory agencies, like how businesses might if you get a lawyer involved?

Working on a creative project, and hoping to get any common cliches / memes from folk who work at Credit Unions.

What's the experience typically like? What do you enjoy most/least about it?

Thanks in advance :)

I got my first mortgage through Municipal Credit Union because they offered the lowest rate. I had to make my first mortgage payment yesterday and it was a horrible experience. The website and mobile app are horrible as well as customer service. Does anyone else have experience with MCU?

https://www.dcu.org/dcu-and-first-tech.html

Thoughts? I have an account with DCU for the high-interest savings. It is nice they are expanding to the west coast now as I use DCU through partner CU's, currently.

Wonder if this means we can finally reset our ATM PINs to something we want instead of what DCU sets (and snail mails to you). I literally haven't touched my DCU card because of this and I forgot the original PIN they sent me.

One can hope; maybe First Tech can provide them with some technical expertise.