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I was not a fan of Michigan First Credit Union. I didn't feel that their rates were as competitive as other credit unions, and in order to get the best rate you had to do a lot of crazy things. For example, you'd be penalized for going into a branch in person too many times. You also had to make 10 signature based purchases with your debit card, which was really hard to do because so many places don't require a signature (such as online purchases). It just seemed like more of a hassle to keep up with all their crazy requirements and keeping track of them every month, so I left.
Fifth Thirds is one of the worst banks I've ever dealt with and has made me swear off banks for ever. My main issue is that they would sign me up for stuff I never even asked for, which would be on my credit report by opening lines of credit. The breaking point was when I went through a drive through teller window to make a simple deposit that took half an hour. Once the teller had my check, they asked me if I wanted a credit card protection plan that had an annual fee associated with it. I declined, but the guy held my deposit hostage and actually came out to my car to explain to me this plan which I declined. I then later got a letter in the mail saying that I had signed up for the program! This was unacceptable and why I left them. I would not recommend Fifth Third to anybody.
Lake Michigan Credit Union would be a credit union to consider if you are living in the Western Michigan area. While they are nothing spectacular compared to other credit unions I've been with on terms of customer service, I feel like they were the best credit union I was able to find when I lived in Western Michigan. Definitely look into their “Max Checking Account” which can get you up to 3% back in interest. And if you need to visit a branch often, most of them are around Grand Rapids for sure. Take that into consideration as well so that you don't have to travel far to get to them.
So far my experience with State Farm has been pretty good for our home insurance. We have been using them for the past year, and our agent at State Farm was able to give us a good competitive rate compared to the other companies we were looking at during the time. They have a good website and you can pretty much do anything you need to do online. I just wish that our agent was a little easier to get a hold of. We get a call back the same day, but I just wish it was a little bit faster, you know? Overall though I would recommend State Farm. Definitely put them in your list of places to consider when looking for home insurance.
The main redeeming quality of using Chase for a checking account is their mobile banking. It's just been far superior to any bank or credit union I've worked with. The reason I have an account with these guys is purely their check cashing iPhone App. You can take a picture of both sides of the check, and within a few hours it clears and the funds are available in your account. It makes you feel like you are living in the future. If you frequently have to cash a lot of checks from your job and simply don't want to be bothered with going to a bank and waiting in line, look into Chase and their mobile App.
I was with DFCU Financial Credit Union before leaving Michigan to move to another state, and would still be with them if it wasn't for that. They are one of the biggest credit unions in the Metro Detroit area, with a lot of locations and ATMs. Their checking account has no requirements for minimum balance or any fees, no limits to the amount of checks you can write, and they have plenty of savings account options too. There are no requirements to join, so if you are in Michigan and are looking for a bank alternative I would definitely recommend these guys.
I used to use American Family Insurance as my primary car insurance, and since then have switched to Geico. The reason was because we did have to make a claim with AmFam and since then they jacked up the price. I thought it was a bit excessive considering it was our first claim with them, so we decided to look elsewhere. Other than that, signing up was really easy, and the customer service was great! We were just not satisfied with what they did to our rates after we made our first claim. But this is all dependent on age and auto history, so you might have a different experience.
I used to be a member of CEFCU until I moved and no longer met their residency requirements for being with them. But they were a great credit union and would definitely recommend them! They have some requirements for minimum balances, but they are only a few dollars from what I remember, nothing in the thousands range like other banks. They offered free ATM access to certain ATMs, great online banking, and excellent customer service. We liked them the most because of their dividend checking, which paid out more based on your daily balance, with dividends increasing at certain ranges like $2,500, $5,000, and $10,000. If you live within their area, definitely give them a consideration.
When getting the mortgage for my first home I was recommended Credit Union 1 by a friend who had been doing business with them for years. We went to one of their actual branches, met with somebody and talked about our needs and what we were looking for. The staff was very friendly, and it sounded like they could close on our mortgage in the time we needed. They were very competitive, but we decided to go with another lender because we were able to get a better interest rate. We probably would have gone with Credit Union 1 if they could have come up with a better rate, but they were a top contender for sure!
I've recently switched to Geico and they are my current car insurance provider. The reason I switched was that I was looking for a lower rate and they were able to give it to me! I have an older car and need really basic insurance, as I am sure any major accident I am in will mean the car will be technically totaled if there is more than $2,000 in repairs! The application process with Geico was great. I was able to do it all online and didn't even need to speak to somebody on the phone and endlessly wait on hold. I can pay my bills online as well with a credit card. So far I haven't had to file a claim (knock on wood!), but have been satisfied with them in terms of price and customer service.
I was really impressed with First Northern Credit Union when I was shopping for a loan to purchase a car. Of all the places that I visited, First Northern was definitely the friendliest, had a really great staff, and they also gave me a really good interest rate which is what made me want to go with them! While I didn't use CarQuotes.com to find my vehicle, during the process I did learn that they are partners with that website to help you get price quotes before you go to the seller or dealership. I went in person to apply and gave them all my info so they could do the underwriting, and I was approved with a check in hand two days later! Overall, I would definitely recommend these guys. They make me remember why I stay away from big banks!
I use to be with Great Lakes Credit Union, but parted ways mainly due to lack of a nearby location when I moved to the Chicagoland area. Overall, I was satisfied with their service, using it mainly for checking and savings. One of the main benefits of using this Credit Union is that they have an Ultimate Checking account which has a 4% APY up to the first 10K that you have in the account. If you can qualify for it, it really makes this credit union worth it! Otherwise, their interest rates topped out around .2% APY which is still competitive with the national banks in my area.
I am currently a member of Alliant Credit Union and am fairly happy with them so far! One of the first things that you should know about them is that they have no brick and mortar banks that you can go to, they are online only! I haven't run into an issue with not being able to find an ATM that I can use without getting a fee. I have direct deposit set up, and I don't have to pay any sort of fee for having a checking account with them. That's the way it should be with any bank really… I also think it's kind of cool that they give you a credit report 4 times a year so you can keep tabs on that stuff. The reason I signed up with them is that a friend recommended them to me, and so far it's been great!