Consumers Credit Union Car Loans

We have had nothing but problems with CCU. Both my husband and I have good credit, years of credit history, no late payments, and CCU is always full of excuses why they will not approve us for any loans beyond a basic single vehicle loan. It’s always the run around and we jump through all their hoops just to continue being denied. Most recently they offered my husband some type of loan program and promised at the end they would approve him for a second loan. He completed the program plus interest with no late or missed payments only to be told there was no loan available at the end like he was promised and only offered him a “secured” $500 credit card. He makes over $200,000 a year and we have minimal bills. Recently they denied us because he has “too many inquiries!” Which just sounds like yet another poor excuse! How can someone with $200,000/year income, no missed payments, one car loan, no credit card debt, years of history with the bank, etc etc keep being denied over petty excuses? At this point we are fed up and going to refinance with a different bank that actually wants to service its customers instead of wasting our time and getting attitude over the phone.

Denied without even a review from underwriting. Loan officer Pat denied it before we even disconnected from the call. This used to be my go-to for loans, always approved with no issues. Never late, very good credit, income in the mid-six figures, light obligations, no credit card debt. Not recommended; considering closing all my accounts, including business. Our relationship is no longer fruitful, a waste of time and resources.

I will never finance with them again. They are rude and have terrible customer service. On multiple occasions, their representatives couldn't even help me with my issues. On one occasion, a representative decided to argue with me over an issue I hadn't even brought up. All I wanted to ask for was information on the documentation I needed to submit. Their response was to control the conversation. They ignored my questions while making their own rude assumptions. I reached out to them for help, not to be bullied. I have nothing good to say about this institution.

Poor customer service and a badly designed website forced me to call customer service to put my loan on autopay, and they charged me for two months and this month too. The person who set up the autopay was supposed to charge me for first month on my debit card and set up the autopay for second month. Instead, he charged my debit card and set up an ACH payment on my bank account for first month. Second month they charged ACH again. When I called to talk to them about this problem, the person did not care about my issue. Lesson learned: do research before getting financed.

Service is very poor. I applied for a credit card and was asked via email to provide additional information. However, their site had no relevant information. I would call, but wait times are extremely long—just look at the BBB reviews. I tried emailing their credit department, but no one responded. I left messages on their 'secured login site,' but they went unanswered. Finally, I closed the loan and all accounts associated with them after trying for three weeks. Stay clear of this credit union. I checked Consumer Reports, and they indicated that this credit union has terrible customer service.

If it were possible to give negative stars, I would. First, the website is almost impossible to navigate. I have extensive IT experience and have never come across a website that was so confusing. I can only assume, due to how terrible it is, that it was by design.

Second, bless your heart if you call and are hoping to speak to a person. I spent 10 minutes being routed through the automated system before I finally spoke with a "Representative" to pay off a loan because the aforementioned website would not allow me to. The lady kindly did not charge me the $3.50 convenience fee for making a phone payment. I am unsure where things went wrong at this point. I waited a week for the funds to be taken from my bank. When this did not happen, I called (6 minutes wait this time). The person I spoke to informed me that the funds had been returned and could not give me a reason why. I went through the steps of making the payment again, only this time interest of 7 days had been incurred and she charged me the $3.50. I am now 5 days into the second payment, waiting for it to clear. I checked the account and am not able to access the loan account or the savings account.

As they say, the third time pays for all. When checking to see if there is any balance showing, the account shows I have a payment due July 26th, 2025?

I work in finance with lenders and brokers. My mistake for thinking consumers could properly handle a $7000.00 loan. Never again.

This company has horrible customer service. Post-Covid, you had to wait an excessive amount of time for assistance. They updated their online payment service, but it had issues, which in turn caused you to pay by phone for a fee. Never use this company.

Absolutely horrible practices from this lender. On more than one occasion, they have kept my loan payment only to inform me that it has not arrived yet. I make a payment over the phone, and magically, the next day, my check is cashed. They do not send the proper address for sending payments on statements, so you never know where to send payments. I am currently in the process of transferring my loan away from them.

This is by far the worst bank/credit union I've ever dealt with. They show no consideration for military members who are deployed or who move between states. I've been trying to register my vehicle for 10 months, but they refuse to assist with the process. They still haven't sent the transfer of title to my home state, leaving me stuck and frustrated.

Avoid if possible; they won't work with you whatsoever. Awful experience with them. Definitely not looking forward to working with this bank whatsoever. Be careful.