I don’t know anyone personally . Would love some help ? Just incase because I’m trying to join online but haven’t yet due to nervousness of not being eligible since I know no members . Help ?

1. I have excellent credit, over 800 FICO and hadn't had a new loan or credit card opened in years. Not even a late payment in over 20 years, paying off my credit cards in full each month. The site offered Pre-approval for an Auto Loan. MOST pre-approvals do NOT ding your credit. Not only did they ding my credit for 2 years, but they Denied me the loan. I got a loan at a better rate, from a better CU.

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2. A few years later I co-signed loans for family. I paid off one of the loans and went online to get my final months statements. I no longer had access to the loan documents, even after just a few days. The loan wasn't even visible anymore. I wanted to get statements for important tax information, but it was as if the loan never existed. I should have left $1.00 to keep it open I gues. We should have access to these documents. ( We see why they remove access in a minute).

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3. I tried to get help through their messaging system. It is answered by an arrogant person providing NO help at all. The reply is always. "I do apologize for the inconvenience this has caused. Is there anything else I can help you with today?" No attempt to even find a solution. Good luck getting someone to answer the phones too.

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4. NOW, I want OUT of GFA COMPLETELY, so I start paying down another loan I have there. I made 2 external payments and one internally from a savings account, all within 4 days of each other. ALL THREE payments had a 7.49% monthly interest taken out based on the FULL balance at the time of payment. TWO of those THREE payments SHOULD have gone towards Principal ONLY. They took out over $200.00 in monthly interest when it should have been $83.00 at most! THIEVES!

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If you bank with them, PLEASE, check your statements for such problems, IF you can even access them. If you DO NOT bank with them, DON'T!!!

I work at a credit union in a town of around 30k people that also has 3 other local credit unions and numerous banks. My CU just introduced ITMs. Our mostly rural, older than 50, small Southern town membership hates them. They hate them so much that they are going to another local CU to do shared branching with their accounts here through the other credit union, just so they won't have to deal with the machines. Our set-up is like this: we have one teller window open to handle certain specialized transactions, but unless a member is obstinate to use the teller window then we push them to the ITMs in our branch. We have a concierge system to educate members and help them, as well as the Active Teller functionality on the ITMs. But they still are refusing to come here and would rather do shared branching.
To me, it seems logical that if they're going to the other CU already to share branch, then it is only a matter of time before they close their accounts here and open ones over there. The vast majority of our membership is doing this, as now our lobby is almost dead on the daily. Is this the writing on the wall for our CU if massive changes are not made?

When launching our own Fintech startup, we realized how broken the process of getting a bank partnership is. You either need to work with a BaaS provider (minimum $1M in funding + ongoing SaaS fees) or find a local bank to partner with (time consuming and expensive). We also realized that banks are often open to Fintech partnerships, but they don't know where to find potential startups to partner with.

Survey --> https://a2lh5a165yr.typeform.com/to/O1527DhB

We made this survey to help connect early stage Fintechs with banks interested in partnering. If you're an early stage fintech looking for a bank partnership (or looking to switch bank partners) or work for a bank looking to launch fintech partnerships, feel free to fill this out.

Our goal is to simply close the gap between fintechs in need of bank partnerships and banks that want to partner with fintechs, but don't know where to find them.

Please let me know your feedback and also share with anyone in your network that works for a fintech or bank.

I plan on moving to Tennessee and I am currently having a auto loan with the the CU of Denver and I was wondering if I should refinance it to a diffrent bank? I have a 649 credit score. (Little credit history it’s my first ever loan)

Hi,

With lots of commercial real estate loans gone bad, many mid and small sized banks will fail. I wonder if credit unions are safer in that regard. Do credit unions give commercial real estate loans? Are they more conservative when it comes to lending compared to traditional banks? Please share your thoughts. Thanks.

I've tried chime and did a test trial where I sent a few cents. (Almost a dollar worth) Took that money literally away from me to a "direct deposit" that I'm not even aware of. So I'm staying far away from Chime due to that happening. I was thinking of joining great southern bank since I've heard good things about it. What are your experience with it if you have it. I'm also open to hearing about other's with different union banks.

Has anyone successfully been nominated and elected to their Credit Union's board of directors? My Credit Union requires 500 member signatures just to be nominated which seems unreasonable and explains why there have been no elections in more than a decade. So much for financial democracy.

I'm trying to post this warning where I can so hopefully someone reads it before it happens to them.

Please be aware: there are scammers "spoofing" the credit unions number ((800) 743-7228), and calling you to about "fraudulent activity on your account". They ask for minimal info, just the same text message confirmation the bank normally asks, and that is how they get into your account.

If you get a call that seems abnormal, simply give them a call back on the company number.

You cannot even trust phone calls from your family members these days, bc they are running scams on that too. If in doubt, always call them back.

Specifically to refinance a car and if they offer auto insurance even better!

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Star One Credit Union Coin machine down permanently now!

This is a loan offered by credit unions, and I’m having trouble making sense of one thing. You use your savings to secure the loan, and you get the money back when you’ve paid it off. Does this mean you get the money transferred from your savings + the money you used to pay off the loan? Example: $500 secured loan paid off after 12 months = $1000 ($500 initially deposited from your savings + the $500 you used to pay off the loan)

Hello, I'm looking at adding a credit card from my CU however I'm curious if their rewards program is worth it. Namely they use what's called CU Rewards. I can't find any information on the rewards you get (assume it's not travel and such). Anyone heard of it?

Currently dealing with some fraudulent charges. It's a Sunday so things are slow, but we at least got our cards cancelled... Until it dawned on me the charges went through the bill pay service. As in, someone added a major credit card company to the bill pay service to, ostensibly, make credit card payments.

The full account number is there. I don't think I myself have the know-how to link someone to it, but it seems it's be a fairly easy thing to link to yourself.

I'm shocked that someone would be so stupid as to leave evidence, to the point I wonder if this is instead some crazy accident.

(Already checked my credit report, not my card).

I live in Chicago and want to switch to a credit union for general use and saving money.

Hello everyone,

I’ve received a referral promotion code from SFCU. If you use my code and sign up with direct deposit, we each get $200!

The code: F7A2V9H

Hello. Looking for a credit union that has a reach for central Illinois all the way up to the Chicago suburban area. Is that possible?

I have a checking account and mortgage with my credit union. Years ago, I set up automatic payments from my checking account to my mortgage. While working on my taxes, I noticed that I paid significantly too much interest on my fixed-rate mortgage last year.

From January to March, my payments were split in two, for the correct total amount, but with one payment being just a dollar and change. From May to December, I had one payment each month, for the correct amount. The problem is that in April, two payments were made, both for the full amount, and this was never corrected.

I called the credit union and explained the problem. She couldn't tell me why duplicate payments were made, but she's going to talk to her supervisor and call me back by tomorrow. She says she's not sure if anything can be done at this point though.

Are they obligated to fix the problem? I would at least like to get the excess interest refunded. If they say they can't do anything, what should I do?

EDIT: They did call back later the same day. They said that while they can't reverse the duplicate payment, the system shows me as being a month ahead, so I can skip the next payment. Great! I'm still interested though in hearing how one would handle this problem, if they were told they're out of luck.

After many years with Vt State Employees CU, now NEFCU, I am looking for a new credit union. Post merger interest has been stripped from checking and the BillPay service isn’t providing any indication when/if checks to payees that require paper checks (such as municipalities and small HOAs) have cleared.

Can anyone recommend a CU with a payment service that can handle the payees still kicking it old school?

1. Bethpage doesn't allow transferring between their savings account and the HELOC. Only by wire which is ridiculous.

2. Bethpage doesn't tell me, either via the statement, nor the online access, what my payment due date is.

3. Bethpage doesn't tell me, either via the statement, nor the online access, the amount of my payment.

4. Reaching anyone on the phone is a 1-2 hour job and their customer service are clueless; when I brought up these issues, they've appeared to treat like I was asking for a cure for cancer.

These are simple yet critical things that I've never experienced with another bank; and I've had 4 HELOC's in the past.

Steer clear.

Have any of you had any problems with this? My company has been experiencing this for months now. The social security admin has been changing their company ID monthly, which obviously messes things up. I tried to look for articles and info but have found nothing.