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My Wife’s student loans where taken out with Clarence Community Schools Federal Credit Union. All and all it’s been a good experience for us. They gave her good rates…
Reviewed by: @duckonquack
My wife used Union Pacific California Emp Federal Credit Union to help her get her first car a few years back when she still lived in CA. We have sense moved the loan ove…
Reviewed by: @duckonquack
Seamus Murphy was the first mortgage loan officer I ever dealt with. He helped me get my first property deal about 15 years ago. He knew his stuff and did a fine job of helping me get all the paper work out of the way. he even offered me a bit of advice about home ownership that I still live by today. One of those was to take photos of the place on closing day to be sure you have a record of what you paid for. He is a good man and knows how to treat people and in that field it's rare so I give him a high recommendation to anyone looking to get into a mortgage, who wants a great officer to smother over the process for you and make it much less painful. No way would I have ever gotten it done without him.
Michelle Hulbert has been my mortgage loan officer for almost a whole year now. She really knows her stuff and has never failed to have all the answers I need right away. None of that "l'll get back to you about that" stuff. I get the feeling that she really worked hard to get to where she is and that she works just as hard for me. She has already saved me a bunch of cash on my house and for that I will always be thankful and tell people about her whenever the topic comes up. She deserves more recognition for her hard work than she gets I think. I've had a few other loan officers in the past but I think I will be sticking to her for as long as I can. She just rocks!
I had an account with Allied Bank for about a year. Over all it was ok but they had kind of harsh fees if you didn’t keep a large amount in your account. That was why I moved on in the end. I found a better deal with another bank for my checking account needs. But I didn’t dislike them, the service or the people who worked for them. if you are looking for a bank I wouldn’t tell you to go here first but maybe check them out and see what kinds of deals they can cut you. It seems like they are good for people who keep more cash in their account than I did. Also I liked the online banking they offered more than I did with some large banks. Over all good people.
My insurance broker and she treats me and my family right. She is on my home insurance but I’m thinking about changing that up and letting her have my car insurance as well. I haven’t been working with her long but I do have experience with her company, Farmer’s Insurance. I’ve got a good track record so that’s in my favor and I get really good rates. That is why I switch over to her and her company. They offered better rates for guys like me that haven’t filled any claims. She did a really good job of selling me on the insurance package by being clear and open about everything going on. That is really important to me. Nothing bothers me more than finding out after the fact that I’ve been signed up for more than I thought I was. so I recommend her and Farmer’s Insurance.
I got an account with Los Angeles Federal Credit Union when I was there for school and they handled my student loans for me. great people to work with and the service was really on top of things. My student loans aside (they where a huge mistake) the process went really well with lots of help when I needed it to understand what I had to do in order to get the loan and then repay it. it really was a life saver and I never would have got my BA without these guys and the loan I just wish I had taken less money out and got a part time job instead. I was young and didn’t really understand how bad large loans could stack up on you when you don’t yet have a real income. Still, if you are in need of a loan these guys are a good place to go to get it, just think twice before you take out large loans.
When I lived in the little mouton town of Willits these guys went by the name “Willits Bank” because they where THE bank in that little place. Being the only bank in town gives them a real advantage but even with that they were still far and good to their customers. No wild fees or hidden charges just good old banking. They could have charged any fee, taken any amount they wanted for interest on loans and still the people there wouldn’t have had a real good alternative for a local bank but they didn’t do that so I give them a good recommendation. They are still 100 times better than the large and big name banks out there that just suck you dry.
i have worked with S. P. Manson and he is a good guy to be around. He did his best to see to our needs as long as it didn't cost him too much. He is a professional and as such has a job to do and that job is to make money. He is good at it. He made a ton of us. I don't feel like he took advantage at all so don't get me wrong. All and all he did just fine and I don't really feel strongly about him one way or the other. He did his thing and got us our mortgage and that was that. I wouldn't go out of my way to recommend him but I'm not going to bash the guy. Give him a shot and see for your self what you think of him.
I had a checking account with El Reno R.I.L. Credit Union a while back and honestly wasn’t too impressed. I mostly go for credit unions because I feel like the big banks are always attempting to get one over on you. A dime here and a dollar there adds up and no one knows that better than a bank. I just want a place to keep my cash and not have a rat chewing away at my savings. But that’s just what I felt like was happening here. All these charges kept showing up that I didn’t remember signing on for in the first place and it didn’t take long for me to get feed up with it when I didn’t get answers I wanted from the staff there. So I moved my money and that’s the end of the story.
These guys are the best. I sent my son there when he turned 18 to set him self up an account with them because I’ve been using them for about 2 years now and they rock! The customer service is the best I’ve dealt with so far. They really take the time to help you understand what you need to do to get the best out of an account with them rather than spend all that time attempting to talk you in to a bunch of junk that you don’t need. They also set you up with a worker who will always take the time to take your calls when you need them too and that is so nice. To have the same person there to deal with each time so they can get to know your needs and help you in the best way they can.
My Wife’s student loans where taken out with Clarence Community Schools Federal Credit Union. All and all it’s been a good experience for us. They gave her good rates but then I believe there is only so much one can charge for student loans so that may not be saying much. I can and will say that their customer service is good. I’ve only had to talk to them once when we couldn’t make a payment on time and they were quick to work with me and they didn’t charge us a dime in late fees. I felt like the woman I talked to on the phone knew what she was doing and was really there to help us out. I give them 4 stars because I haven’t really had any problems but then I haven’t had any over the top services either. I will edit if I have more dealings with them as I expect to over the next few years of paying off this loan.
I’ve recently acquired personal health insurance with Saint Mary’s Health Plans. Since I don’t have any kind of a preexisting problems and the only coverage I really need is if something comes up, this is a really good plan for me. Having my coverage handled by the hospital I live closest too is just smart and handy. Their premiums are low and they cover everything from dental to glasses. It was kind of hard for me to drop my old company because I hate change but I was more or less pushed to do it by my wife and so far, so good. I’m happy with the change and I think anyone who lives in my area and is in a situation similar to mine would also find it a good move.
I was driving with my mother who is 65 and as long as I can remember she has always talked about how much she loves AAA and it seems like once a year she has a story to tell about them. Well, I was with her just last week and she ran out of gas. She’s getting on in years and forgets these kinds of things more and more often. She pulled out her phone called them up and they got there with a gas can in about 20 min. The whole time I was thinking that I should just walk to the nearest gas station and get it myself, that it would be faster and cheaper but they got there in next to no time and the best part is they didn’t charge her a thing. Apparently they will do all kinds of road side assistance like jump start your car if the battery dies, come out and help you change a flat and once my mom even got them to bring her chains in the snow and put them on for her. I think there are other companies that do this but seeing the kind of service she is getting out of these guys makes me think I might be changing my insurance carrier soon.
My wife has car coverage from Allstate and it’s so-so. I pay the bills these days so I’m also the one that gets the joy of contacting costumer service for things like this. The only time I had a problem with these guys was when I had a question about a discount we were to get for being safe drivers (no claims for over 5 years now). At first I just sent them an email asking them what their policy was and what I got back was a canned response that had nothing to do with my question. I'm more or less sure that it was an automated mail answering service that just picked out key words and sent me back some garbage to hopefully answer my question, without them having to pay a few bucks to a live person to answer mail. I wasn't too impressed but I know this is a common thing with a lot of larger companies. I called them up and got things worked out in no time and I can't say I've had any other problems, just don't bother trying to email them about anything important.
I got my very first checking account from U.S. bank when I was 17 years old, so of course I’m going to have a bit of that nostalgia factor going on with these guys. The only reason I’m not banking with them now is that they just don’t have a lot of branches in the area where I live and I need more access to my money. There isn’t anything bad to say about them other than that. They just don’t have a bank on every corner like some others do, so for a checking account that you might want to withdraw directly from on your way to work it’s not really user friendly. When you go to another bank’s ATM you get hit with fees so it’s really not worth it. But, if you happen to have one in your area go for it. They treated me well and I’m sure they will do the same for you.
My wife used Union Pacific California Employees Federal Credit Union to help her get her first car a few years back when she still lived in CA. We have since moved the loan over to my own credit union mostly for convenience now that we live in NV. The experience there was good. Nothing bad at all to say, but nothing really good either. They are what you expect, a credit union like all others. Their customer service was passable the few times I had to talk to them about moving the loan and the rates where a bit on the high side considering my wife’s spotless credit. So I guess I have to say they have that one mark against them. I have found much better rates in a number of places. I would give it about 3 out of 5 overall.
Cedar Rapids Bank and Trust Company handled the student loan that I just finished paying off. I had it at first with another bank but moved it on a recommendation and I’m happy I did. I was really happy with how fast and smooth the transfer went. The whole thing was much more painless than what one would think based on the horror stories going around about student loans. Of course I think that has a lot to do with personal responsibility as well as the bank you work with. Cedar Rapids Bank and Trust Company was more helpful than I could have hoped for. They were lenient with me on tight months and even lowered my interest rates after the first year of payments made on time. The most important thing for me however was their customer service. I’m a sucker for a smile. The people they have working there are all smiles and kind words and that might seem like a small thing to some, but it’s the most important thing to me.
My sister was covered by State farm insurance and I’m less than impressed. She came over to visit me when I was living in an apartment and as she was driving down the lane of the parking area, someone backed out of their parking spot right in to the side of her car. So now here we are with her car damaged and its clear the other guy hit her. One look at her car will tell you that. Unless she somehow hit him with the side of her car. We call up State Farm and they talk to his insurance company and decided that it’s “no fault” meaning no one is paying for anything. Really a scam if you ask me. The insurance agencies just shook hands in a back room and left us with the bill. Because it happened in a parking lot of an apartment the police wouldn’t take any info down and even with the whole thing on security camera there was nothing we could do, short of taking them to court for more than we would have won anyway. I’m not happy with this company and my sister no longer uses them.
I had a loan with Greater Basin Federal Credit Union to get my first car years ago. It wasn’t all bad but I did leave with a bad taste in my mouth about them. I don’t think I will be going back to them. The loan was fine, the rates were fine, everything was passable and I do recommend just about any credit union over any bank. The only thing that went bad for me was when I went in one day to make a payment the teller was rude. I know it’s a small thing but it just turned me off. I was paying in cash but I handed her $20.00 less than I thought I had. She acted like I was attempting to rob the place. I said I was sorry, recounted and found the 20 stuck in my wallet and paid the bill. I can’t say “don’t use Greater Basin Federal Credit Union” but I can say I had a bad time with them and I just can’t feel any other way about them after that customer service fail. I finished making my payments and haven’t gone back.
My wife has investments with Mountain America Federal Credit Union and talked me into moving my savings over to them as well. She has been with them for over 10 years and while I don’t know the details of her experience with them as well as she does she felt that they were worth recommending to me and I’m happy she did. Their customer care is really good and that’s always a big plus for me. If I’m not treated well right off the bat I just can’t trust in that institution. After moving my savings that I had held at my old bank, I already feel like I have made a good call (with the advice of my wife) because the interest rates are about 20% higher with no risk. How can you complain about that? It’s a no brainer. Credit unions are a better bet than banks.
Just last week I went to Bank of America to open a checking account for my son who just turned 17 and got his first part time job. I was not happy with them at all. They attempted to sign him up for a plan that would cost him about 15 dollars per mouth when I know (from banking with them in the past) that he could have got a free checking account. Once I asked they complied and opened one that didnât come with any strings but the fact that they would try to take advantage of him like that really upset me. Needless to say we didnât open an account there but rather went to another bank. I am not impressed with their customer service at all.
I used Sierra Pacific Federal Credit Union for a large personal loan when I was in need of cash to help my family get by when my wife was out of work last year. It really helped us bridge the gap between jobs for her and if it wasn’t for the loan we would have lost our house and car. They got us the cash in a few days with low interest and payments that I have already finished paying off. If anything happens again I will be going back to them first for another loan. I highly recommend them not only for the bottom line of their loans but because the staff is really helpful and only wants to make sure you are best served, not because they make the most money off of your loan. Credit unions are always better than banks in my experience.
I have the worst credit but still Wells Fargo let me open a checking account the same day I walked in. They are by far the most relaxed bank I’ve dealt with and are more than willing to let a guy have a 2nd chance. It helps too that they have branches all over the city where I live so I never have to go out of my way to get to one if I need to do some face to face transaction. I hardly ever have to go in, however, because their online banking has just about everything that I need covered. This may just be my personal experience but the people who work for Wells Fargo seem to also be much more relaxed and friendly than any other bank I have worked with in the past. I recommend them highly.
The Reno City Employees Federal Credit Union gave me an auto loan to get my last car. They had an easy application process that I had a few questions with and they helped me through it as fast as one could expect them to. The rate is reasonable and I can’t complain about it but most of all I really appreciate that they gave me a chance to buy a car with my less than good credit. If it wasn’t for them I don’t think I would have been able to buy a new one. I’ve almost finished my payments and everything is smooth sailing so far. I highly recommend them to anyone looking for a good credit union in Reno. The last car I got before this one I got a loan from a bank and it wasn’t such a good time. Credit unions are the way to go.
I have been using Geico for my auto insurance for almost 5 years now and I have had to call on them once. I was hit from the side by a guy pulling out of his driveway as I was driving down the street. I don’t think he even looked. He just pulled out way too fast and nailed the passenger side door on my car with his back end. Geico handled everything including contacting his insurance and getting my car fixed fast. I don’t even remember what company he was with because my company dealt with all the headache for me. I know they were looking out for themselves as much as for me but still I was happy to have them there to deal with the mess.
I’ve had Eagle West Insurance for almost a year now and thank God I haven’t needed it yet but it’s worth the peace of mind I get by having it. After the storm that hit the east coast I can’t help but worry that something like that might happen here and I could lose my home. Eagle West Insurance agents are fast in response to any questions I have and the coverage is reasonable. I like that they don’t pay for large ads and that just helps keep the cost down. I don’t trust the big insurance companies with my home. You know the ones I’m talking about. The ones that promise you the moon and stars on TV but can’t come through when you need them