United Federal Credit Union - Corporate Headquarters Hilltop Rd, St Joseph

Worst customer service ever experienced in banking. My Account was compromised and branch manager authorized transaction out of my account without my permission or consent nor was I notified of banks action. When I contacted management no assurance was provided to me that my money was safe. In fact the manager told me that he had the discretion to withdraw funds from account without notifying me....no empathy no concern Or due diligence to protect members account....That IS SCARY... also the customer service line will not escalate the issue to a higher level of authority to address concerns and actions of lower management. I would not recommend this credit union to anyone .. obviously your money is not safe there ....Beware they will debit your account without your permission and will not notify you !!!!

I have been a member for years. I have had several car loans and two HELOC loans. I applied for another HELOC and was initially approved. Then denied because I didn't have enough equity as they would only finance 80% of the home value. When I pointed out that 80% of the home value was much higher than what was owed, I was again told no because they don't go by market value. I then received their value in the mail which was higher than what I had thought the home was worth. I forwarded their value to the loan officer and was approved again only to be told a couple of days later that they could not help me and I would be getting a letter in the mail in a few days. I asked what happened but got no response and never received a letter. I subsequently went to another local credit union and was approved with a .25% lower interest rate so I guess it worked out in my favor - hence the one star.

I had a outside loan being deposited into my account, they sent it back, because two of my account #s where switched, so now im playing phone tag and paying on a loan i dont have yet, thanks for nothing.

They think very highly of themselves and do not listen to their customers. Very disappointed with my last several interactions with them!

I tried to refinance my pickup truck through you guys and you would not do it. I just got a loan from you to buy a camper. So don’t understand why you’ll loan on one item and not on another. Also I tried to get the loan through headquarters and I guess that was my mistake. Cause I got the loan for the camper through my local United federal bank. Maybe I’ll try my local United federal bank at a later time. I left my previous bank for this same reason. I had been with them for 10 plus years and they never would give me a loan. That’s why I switched banks so hopefully I won’t have to change again. I want to be with a bank that wants to help me.

Not very impressed with my credit union's online banking platform, especially the bill-paying feature. I also received inconsistent information from the help center on this feature. Hopefully it will improve soon. I like being a member of UFCU otherwise.

I was just getting started building my credit and they were absolutely amazing! They worked with me every step of the way. I would certainly use them again!

Best place to bank in Michigan's Great Southwest!