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Membership at Champaign County School Employees Credit Union is available to anyone employed by a school in Champaign County and their immediate families. There's no fee…
Reviewed by: @cdub57
First Federal Savings Bank of Champaign Urbana is the absolute worst bank I have ever done business with, hands down. They are so disorganized, it is not even funny. I wa…
Reviewed by: @cdub57
One of the great things about Decatur Earthmover Credit Union is how easy it is to join. There are no fee or membership dues to pay in order to join, nor are there any residency or employment requirements or restrictions. The only thing Decatur Earthmover Credit Union requires is maintaining a $25 balance in your savings account, which is very reasonable and easy to accomplish. There are 4 physical locations, including one drive-up only branch, which are nicely distributed throughout Decatur and Forsyth, so no matter where you are, there is one close by. The rates at DECU for checking and savings accounts are pretty competitive for what you would get elsewhere.
Membership at Champaign County School Employees Credit Union is available to anyone employed by a school in Champaign County and their immediate families. There's no fee to join, all you need is a $20 deposit. All savings accounts are insured up to $250,000 by the National Credit Union Administration. Members have access to a number of ATMs free of charge, in the Allpoint and Co-op networks. CCSECU has online banking, although it's not the greatest. Savings rates are pretty standard compared to other banks and credit unions. The staff is always incredibly friendly and always willing to go the extra mile to make sure you are satisfied. They will absolutely bend over backwards for their customers, which is a rarity in the banking industry.
I had American Family Insurance on my car several years ago. Customer service was always polite and helpful, and seemed to genuinely want to go the extra mile to help me. Fortunately, I never had any accidents, so I didn't need to use the claim service. Although there weren't any hidden fees or charges, the prices were a little bit on the higher side, compared to other companies. It is for this reason that I eventually ended up switching companies. However, if I were in the market for a new car insurance company, I would certainly get a quote from American Family.
Credit Union 1 is a pretty good credit union, and overall I'm happy with them. Becoming a member was very simple and there was a $5 membership fee and a $5 minimum deposit. Some people may be turned off by a $5 membership fee, but considering some other banks charge more than that each month just to have an account there, I think a one-time fee is pretty reasonable. The online banking is great and very easy to use. Credit Union 1 utilizes “shared branching” which allows you to perform transactions at any participating branch, not just Credit Union 1. Interest rates on savings accounts aren't spectacular, but seem to be fairly average compared to other banks and credit unions.
First Federal Savings Bank of Champaign Urbana is the absolute worst bank I have ever done business with, hands down. They are so disorganized, it is not even funny. I was lured over to them with the promise of competitive loan rates. I went with them for the loan, and decided to open us a personal checking account as well. I have already closed my checking account, but I cannot wait for my loan to be done so I can be completely through with these people. They screw up deposits all the time. I've had money magically appear and disappear in my account. Trying to get answers from anyone is like pulling teeth from someone on Jersey Shore. I had a question at one point, and was waiting on someone to get back to me for over a month. I called a couple times each week until FINALLY someone got my issue resolved. Oh, did I mention they have monthly service charges on their checking accounts? Yes, that's right. Remind me again, why am I paying you for the privilege of holding my money? Their online banking is absolutely archaic and looks like a website built in the mid-90's. Worst. Bank. Ever.
I recently purchased a Home Owners Insurance policy from Farmers, about 8 months ago for my new condo. The price they quoted me was pretty much right on par with some of the other companies that I got quotes from. The thing that stood out to me, and the eventual reason I decided to go with Farmers, was their customer service. I spent upwards of 45 minutes on the phone with the customer service rep at Farmers, and they were incredible patient and answered all of my questions. This was my first time buying home owners insurance, so I certainly had a lot of questions, too. So far, I have not needed to make a claim with them. Hopefully I never need to, but I am confident that if I ever do, I will receive the same great customer service I received when I first signed up.
Citizens Equity First Credit Union is a pretty decent credit union. I was a member for a few years, but ultimately ended up leaving. In order to be eligible to be a member of Citizens Equity First Credit Union, you have to reside in one of several counties in Illinois or California, or be an employee or retiree of Caterpillar. Besides CEFCU ATMs, members also have free access to co-op ATMs, of which there are quite a few throughout Illinois and California. CEFCU members also get free access to online banking, which is reasonably well up-to-date as far as online banking technology is concerned. Interest rates on savings accounts are pretty standard compared to most other credit unions. Overall, not a bad place to bank.
I had a decent experience with Progressive for my car insurance needs. I had been a State Farm customer for several years, but after a bad experience with them, found myself looking for a new car insurance provider. After some searching, I decided to go with Progressive. They were very helpful getting me signed up, and the rates seemed pretty good. Every person I spoke with at Progressive was very polite and knowledgeable and was able to get me the information I needed quickly. Ultimately, I ended up switching to a different insurance company because they were able to offer me a significantly better rate. If I ended up leaving my current insurer, I would consider going back to Progressive. At the very least, I would get a quote from them.
Ally Bank is absolutely wonderful. I have to admit, the idea of not having an actual physical branch to go to was a little unnerving at first. I did a lot of research and the reviews for Ally are great. I've been a member for a few months now and am very pleased with my experience so far. Opening an account and obtaining a debit card is very simple, you apply online and are approved almost instantly. Probably the best feature is that they reimburse you for ATM fees, meaning you can withdraw cash at any ATM and not be charged for it. Also, since they don't have any physical branches to pay for, they are able to pay higher interest rates on checking and savings accounts than just about any other bank out there.
Central Illinois Credit Union is open to individuals who live in Champaign County or other nearby counties, or who work for IGA or SuperValu. There is only one branch located in Champaign, but members get to use ATMs owned by other credit unions in Champaign-Urbana and on the U of I campus. They have a form that makes switching your checking account from your old bank to Central Illinois Credit Union really easy. The online banking isn't as shiny and fancy as some other banks, but it gets the job done. The rates on loans and savings accounts are pretty average, however, they have a program called RateBreaker, where they will beat any other bank or credit union's secured loan rate. I've not used that feature before, but next time I need a loan I certainly will try it.
I joined U of I Employees Credit Union a couple years ago, when there was that big "anti-bank" movement and people were bailing on their banks and moving to credit unions. They are able to handle all of my financial needs. Setting up and moving all of my accounts over from my last bank was very easy. There are two local branches, and the employees at both are always very helpful and really strive to give you a personal service. The interest rates on savings accounts are a little lackluster, but the 1% cash back on debit card purchases is pretty nice. The online banking is a little archaic and in desperate need of an update, but it serves its purpose, I guess.
I've been a member of Alliant Credit Union for about a year. I admit, I got caught up in the ditch your big bank movement last year, and so I signed up for Alliant. They are an online only bank with no physical branches. All you need to do to be eligible to join is make a small donation to a charity. So far, I've been pleased with my experience. There are a lot of fee-free ATMs and they have a network of co-op credit unions where you can make deposits. They also have e-deposits, which is even more convenient. Fortunately, I've never needed to contact customer service, but I'm confident if and when I do, that they will be more than adequate given my experience so far.
I switched to GEICO back in 2010 after having my rates increased for no reason by another large insurance company. I guess I fell for their marketing, because I didn't really bother to shop around for prices much. I got a quote from GEICO, it was less than what my current insurer wanted to charge me, so I went with it. Overall I had a pretty decent experience. I never needed to make any claims or really even contact their customer service for anything. As the time came for me to renew my policy, I did a little shopping and found a better rate elsewhere. If GEICO offered a competitive price, I would most likely consider coming back.
I had a policy with Allstate for about a year from 2009-2010. Overall, I was fairly satisfied with them. I would say I kind of fell for their marketing, because when it was time for me to get out on my own and get my own policy, I didn't really do any shopping around or price comparisons. I got a quote from Allstate and just kind of went with it. After about a year, I decided I was paying too much, and began shopping around. I was absolutely floored when I saw the quotes for the same exact coverage I had with different companies. Some were as low as 1/3 of what I was paying at the time! I had no claims, no tickets, nothing - an absolutely spotless driving record. There was no way I could justify continuing to pay the ridiculous rates. Fortunately, I never had to use their claim service, although I'm confident it would have been satisfactory.
My parents had been customers of State Farm for many years, so when the time came for me to be out on my own, I purchased a policy from State Farm without getting any other quotes or anything beforehand. I figured, if State Farm was good enough for my parents, it was good enough for me. I called my parents' agent, and got my policy started. I signed up for automatic monthly withdrawals from my checking account. One day, I get a letter from the bank through which I got my car loan. The letter stated they received notice that my policy expired, and that if I didn't provide proof of insurance, my entire loan amount would become due. In a panic, I called my agent to see what was going on. I was told that my policy was cancelled due to non-payment. I told them there was no way this was possible, since I signed up for automatic withdrawals. State Farm's response? Too bad. They weren't willing to do anything to help resolve this situation, even though they were the ones who caused it. So, at that point, I went out and got quotes from many different companies. In the end, I got a better rate with a company that actually cares about their customers, and haven't ever looked back.
As a young man coming into my own, I decided one way I could reinforce my independence was to finally get off of my parents' car insurance policy and get one for myself. Unfortunately, in my haste to prove myself to the world, I signed up with the very first company to give me an offer. As that policy was coming to an end, I found myself looking for better rates without too much of a compromise in quality, service, coverage, etc. My car was financed, so I needed full coverage and didn't really feel comfortable skimping on that. With that in mind, I got about 9 or 10 quotes from many different companies. After considering price, service, quality, etc of the various companies and quotes, I was able to decide on Esurance fairly easily. The price was competitive with the lowest rates I had been quoted, and as Esurance is now owned by Allstate, I felt very comfortable with my decision. I like that I can access and change all of my account and policy information online anytime I want. Fortunately, I've not needed to make a claim yet, but I'm confident that that process would be just as easy and painless as everything else has been.
I had the car loan for my first vehicle purchase through Fifth Third Bank. I was given a pretty good APR for a young person with very little credit history. I did require a cosigner, which probably helped me get a better APR. The process was pretty painless and I was approved quickly. There weren't very many issues with my loan. The one issue I had with Fifth Third was that they wanted to charge me a fee to pay my loan online. I set up bill pay through the bank which has my checking account and never looked back.
I opened a Chase checking account after receiving an offer of a $50 bonus. I already had a checking account at a different bank that I was happy with, but figured it was an easy $50. I applied and was quickly approved. The application was really quick and easy, and access to my account online was also established pretty quickly. There were some requirements associated with the account, like keeping it open for 6 months, and having direct deposit to prevent a $12 monthly charge. I changed my direct deposit with my employer to go into this account, but was still charged the $12 fee. When I called to ask about it, they basically said there was nothing they could do. This cost them a customer. As soon as 6 months was up, I closed my account and never looked back.
I've used Busey bank for a number of years, since they bought out Bank Illinois and Mainstreet Bank & Trust. After hearing about Mainstreet being bought out, I wasn't sure if I would keep my accounts at Busey, but decided to give them a shot. I really like their online banking. It's very easy and convenient, and they recently added the ability to view your outside accounts, so I can have all of my financial information all in one page. It's easy to open and fund new accounts online. As long as there is no monthly service fee, I will remain a Busey customer.