River Valley Credit Union W Main St, Lowell

Time's change! Still better than the big banks, but less of the community credit union feel. 1) Clunky website with ad banners larger than the section you that access your funds. 2) Steadily increasing fees, including predatory lending techniques such as paying a fee to skip a payment & playing a fee to access a paycheck deposit early! 3) Fraud help is now thru a 3rd party that most often transfers you overseas. 4) Less knowledge from non-manager employees that inevitably give you a "thats just how we do it" response when they're unsure. 5) Feels more like a big bank now: e.g. less motivated to help customers with unique issues, unlikely to help with excessive fees even while admitting they don't make sense in practice, and being treated more like your account number than a person. Note: I understand some of this is an attempt to match other institutions, increasing operating costs, effects of inflation, & a desire to increase profits for their larger clients (yes a credit union is meant to profit only for it's customers, but larger customers drive demand). For reference I've been a customer since a student in the early 2000's, and some of what I'm describing is a mix of personal experience plus close friends/family experiences.

They genuinely care about the individual first, and then their financial well being.

Great place to bank with! Always considerate and quick to help with any issue you may have. They are always friendly and willing to go out of their way to help you.

So I ordered a new card and apparently they changed my pin. Now im locked out of my account and I have to wait until they open in the morning to go in there and pull my money out of my account. I really needed my money for gas so I don't freeze because I live in my van. So whoever changed my passcode is stupid. My password never changed the last two times I got a new card. So what's different now? Is it because I asked them to send my card to my bank so I can pick it up when it arrives? Im tired of waiting to get in my account. I should just go to a different bank that isn't closed on Sunday or doesn't change things that don't need to be changed.

I have been here since 2019 and have had the best experience with them as a financial institution! They are very accommodating and try to work with you on whatever you are looking for. Also the customer service there has always been really amazing! They have even sent me a little gift card before to show appreciation to their members! Love it there!

This CU is awesome! All of the team members are more than happy to help. They constantly go above and beyond. Their lobby is always clean and they are quick to welcome you when you walk in. Overall, their team makes this place wonderful.

Great place to be a member. Had someone hack into my paypal and the staff was very helpful and made the process of fixing things.