Broadview FCU

212 Reviews

Broadview was formed when two leading financial institutions in Upstate New York joined forces. Built on a legacy over many decades of putting people first, Broadview meets you where you are on your financial journey – and guides you forward.

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Find out if you are eligible to join Broadview FCU.

Broadview FCU Reviews

3.0

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Monica Prediletto
October 24, 2025 • @mprediletto

Terrible customer service. Management lacks the leadership to own a problem and work to find a solution. I'm no longer a member due to the high fees and transactional interactions. Why would you bank locally when there's no local relationship? The best decision was to move to a national bank.

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Suzie Linville
October 24, 2025 • @suzilin46

Based on strong recommendations, I joined Broadview Federal Credit Union, but my experience has been deeply disappointing. The institution shows little empathy or flexibility for members who are trying to recover financially after difficult times.

Despite setting up protections and alerts, transactions still go through unchecked, leaving my account vulnerable. I've lost significant money due to this and the accompanying fees. It feels as though only wealthier members receive genuine support or understanding.

It's unfortunate because I had hoped a credit union would be more community-focused and compassionate. After this experience, I plan to move my accounts to one of the newer, modern online banks that seem to prioritize transparency and empathy for all customers, not just those in perfect financial standing.

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Rich Cornall
September 29, 2025 • @richcornall

Worst Bank Ever - Exorbitant hidden fees everywhere, extremely disorganized. If you need to borrow money, do not do it from here. Nearly $1400 in hidden fees to close my HELOC, they froze my funds for an "unpaid tax bill," which I had paid, and no one was able to tell me where they had gathered that incorrect information from. AND their lending process is a nightmare… they flagged me as fraudulent during the underwriting process because they thought I was lying about which church I attended. ALSO, currently trying to close my account. I was told to transfer my balance first, so I did, but there is a FEE, so they charged me $3 for the transfer, but my account was now, of course, empty, so they charged me a $28 overdraft fee. NOW they are telling me I need to pay them $31 before they will close the account! Unbelievable!

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Eric Devlin
July 30, 2025 • @edevlin32

Since the merger, they have been absolutely terrible to deal with. I called to ask for help with my loan due to a loss of income, and they were arrogant and had no interest in even trying to help. The first representative sounded like a robot when I explained I couldn't guarantee the payment for my loan next week due to the fact that I have lost almost $1,200 a month, causing me to be financially overdrawn. The only response was, "Would you like to set up next week's payment?" I explained again the financial hardship and asked if there was something they could do to help with a lower payment or a deferment, just for this month. She transferred me to another department where a guy asked why I was paying other bills if I didn't have the money. He proceeded to tell me to not pay them so I could be on time with my personal loan with Broadview instead. Never once have I had an overdraft fee with CapCom; now it's a constant $28 fee. Since they merged, somehow my ex, whom I added to my account, is now the primary, and the account is no longer mine. Their only solution is telling me to close the account and start a new one, even though I had this account long before I met her. They are rude, charge astronomical fees, and won't help unless you have money in hand. Stay away from Broadview. I will be looking for another bank. Over 15 years with the same account, and all my financing and loans have always been through CapCom. They let their arrogance and greed take over.

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maltniko
April 16, 2025 • @maltniko

Their debit and credit cards are really terrible. Often times, I've had an issue where the chip would not read properly, and clerks at stores would say, "Yeah, that happens with Broadview (SEFCU)." The tech support is terrible.

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dcyrdomiko1
April 14, 2025 • @dcyrdomiko1

I read a lot of the reviews since this merger took place, and I'm glad I'm not the only one saying the exact same thing. It's clearly obvious that customer complaints are ignored, as I too have escalated my concerns and have gotten nowhere. It's time to search for a new credit union or possibly another bank. CAPCOMFCU was for the upstate community, and now that this merger has taken place, I guess this is not the priority anymore. Sad!

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msheehan62
March 25, 2025 • @msheehan62

Ever since Capcom merged with Broadview, their services have declined; the cards never work. The people are rude. It's just disgusting. I am so sorry. I am considering looking for a new bank.

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Kathleen Schwinghammer
February 18, 2025 • @Muffins

I just sent in my second text two weeks ago. On Thursday, we had over $400 taken out by an unknown person who used it to buy sneakers. I've asked the branch that we go to please refund the money. Every time we ask, they say it's going to be 24 hours, or they don't work on the weekends. There's always some excuse for why we haven't gotten our money back. They aren't doing their job, and I'm getting the feeling that nobody really cares whether we get our money.

I have had my car put on hold for money that I spent out of state. This money was taken with no red flags raised on your end.

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Ann Mi
February 8, 2025 • @am_fm

Hard to believe how "Best Of" becomes "Worst Experience in Banking," but CapCom and SEFCU have somehow managed the smooth transition to the bottom in less than 2 years! I have been a CapCom member for 40 years and a reluctant SEFCU member for at least two decades. I find the merger highlights all of SEFCU's terrible old customer service habits and technological incompetencies while leaving the best of CapCom in the waste bin. So much for economies of scale and better service—not with this merger!

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Ramon56
December 19, 2024 • @Ramon56

They have been charging me for an in-house auto pay from a closed in-house account I once had. They tell me it was my fault that they didn't close the auto payment when they closed the account. They are dishonest! I have called multiple times to resolve this. Notes come up missing and then they reappear, depending on who you talk to. Phone calls are not returned. The service is very poor!

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Samuel Pettway
November 27, 2024 • @samuelpettway

Stay away if you can... maybe find a place that actually sees you as a person rather than their bottom line. I was a customer of Capcom for over 17 years... never really a problem. I got scammed for about $1400 and receive social security. Capcom was understanding and allowed me time to pay it back knowing that I did not get any of the money I lost. I was able to pay back over three-quarters of it but ran into financial issues as most do on SSD. A week ago, I received a bad check for over $800. It went through the bank verification system and posted to my account. I learned a week later it was a bad check and my account was deducted, ending up negative that amount. Fine, my bad for trusting people. I called, told them I would cover that amount even though it would be an insane hardship for my daughter and me when my SS was deposited. I was told my SS would not be touched at any point without my permission. But without notice, they took an extra almost $500 out of my account on top of the $800, a day before Thanksgiving and a couple of weeks before Christmas. I could hear the indifference in all of their voices. They could have given me notice. They could have waited until the next month, especially after realizing I had just lost $800 from a bad check. They did not care. I pleaded but they just dismissed me. There were other options. These people will smile to your face while caring nothing for you or your well-being. They are there only for your money, and I get that it's a business. But at some point, you have to see people as human and act accordingly. Seriously, if you expect them to support you when things go wrong... find a different place to bank. If you want a bank that cares about your family's well-being... find a different place. If you need a bank that you can trust with your money... find a different place. If something goes wrong and you expect your bank to do their job and not violate any federal laws... you may want to find a different place to bank.

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Rena B
November 8, 2024 • @Rena_b

We were customers of CapCom FCU for more than 35 years and extremely pleased with the services and especially the 5-star customer service. Since the merger, the level of customer service has declined drastically. Hold times are long, service is terrible with numerous issues, and no one is on the same page. Talking with two people yields two completely different answers. We are all about change for the right reasons but have yet to find one positive thing with this merger.

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William ma
October 18, 2024 • @redduckbikes

Previously, SEFCU bank, now known as Broadview, has reported that I closed all my accounts to Equifax when in fact nothing was closed. This caused a drop of 39 points in my credit score. Nothing but a runaround from them. Horrible service with little understanding of how to correct their mistake.

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Chanel Sawyer
October 2, 2024 • @Laurkat13

Slow service, people aren't friendly, and they act like we're bothering them. This merger was not a good move. Capcom was awesome and so efficient! It is making us think about going to another credit union.

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Miranda Cohn
September 20, 2024 • @mirandacohn

I have been with Capital Communications FCU for over thirty years. Since they merged with Broadview FCU, the customer support and fraud department have not handled issues in a professional or timely manner. I have never had an issue resolving any problems with Capital Communications FCU in a professional and timely manner. They decline transactions for suspected fraudulent activities while at restaurants, hotels, grocery stores, online purchases, etc., without first sending a text or making a call to verify while the customer is standing there looking like an individual not having the ability to use their own money in their account. Then, when fraudulent purchases are made, you have to jump through hoops to get your money returned within 20 business days as your card is deactivated and you have to wait for another. All of these situations force the member to use another credit card for purchases to cover Broadview FCU's incompetence. Call the customer service fraud department and a person to whom you are giving personal information is working from home because you can hear children and animals in the background. That seems really secure when giving a person all the information needed to help with identity theft and rob people. I do not recommend my worst enemy conduct any monetary transactions with Broadview FCU. It has been nothing but problems and wasted time since they merged.

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Broadview FCU Q&A(16 questions)

Get answers to your questions about Broadview FCU below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Upvotes

What are the Broadview FCU credit score requirements?

Adam Butcher

Broadview FCU's credit score requirement is excellent for all of its cards. You can check your credit score for free here on WalletHub. If your credit score is below the threshold needed for a Broadview FCU credit card, it's best to wait to apply until you meet the credit score requirement.

Credit Score Recommended by Broadview FCU Card

Broadview Platinum Credit Card: 750 (Excellent credit)
Broadview Credit Card: 750 (Excellent credit)

Note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for a Broadview FCU credit card. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.

Finally, keep in mind that lenders might use a different score when deciding whether to approve you for a financial product and approval is never guaranteed.

Upvotes

Does the Capital Communications Credit Union Classic card report to all credit bureaus?

Terrence Silva

The Capital Communications Credit Union Classic card reports to all three major credit bureaus: TransUnion, Experian and Equifax.

This means that it will help you easily build your credit score, as long as you pay your bills on time and keep your credit utilization low.

Upvotes

What's the SEFCU Home equity loan credit score requirement?

Lisa Cahill, Credit Cards Moderator

SEFCU doesn't make their home equity loan credit score requirement public. However, ss a general rule, lenders typically want borrowers with a credit score of at least 700 and whose total debt amounts to about 40% or less of their total income.

Upvotes

When does SEFCU report to credit bureaus?

Georgia Freeman

Broadview FCU reports to the credit bureaus once each month, within days after the end of your monthly billing period. Broadview FCU reports a credit card's credit limit, account balance, payment history, and more to Experian.

After Broadview FCU reports your account information to the credit bureaus each month, it may take a few days before the updates appear on your credit report. When you first open a new Broadview FCU credit card, you...

Upvotes

How can I do a balance transfer with the CAP COM Classic Card?

John Miller, Credit Cards Moderator

To do a balance transfer with the CAP COM Classic Credit Card, new applicants can just complete the balance transfer portion of the application. Existing cardholders can request a balance transfer through their online account, or by calling customer service at (800) 634-2340.

CAP COM Classic Credit Card balance transfers usually take one week to process. In the meantime, continue to make payments on your original debt to avoid any late fees and possible damage to your credit score.

Key Things to Know...

Upvotes

Can I transfer credit card balances

Upvotes

What credit score do you need for the CAP COM Classic Credit Card?

John Miller, Credit Cards Moderator

The CAP COM Classic Credit Card is available to people with bad credit. That means people with credit scores below 640 have a shot at getting approved. The card accepts applicants with a limited credit history, too.

You should note that while the credit score requirements are lenient, there are plenty of other things that will impact your chances of being approved for the CAP COM Classic Credit Card. Some other key criteria include your income, existing debt load, number of open...

Upvotes

What's the starting credit limit for the CAP COM Classic Credit Card?

John Miller, Credit Cards Moderator

The starting credit limit for the CAP COM Classic Credit Card is $500 or more. Everyone who gets approved for this card is guaranteed a credit limit of at least $500, and particularly creditworthy applicants could get limits a lot higher than that. The higher an applicant's credit score and income are, the higher the starting credit limit is likely to be.

Keep in mind that you can ask to get a credit limit increase by calling customer service at (800) 634-2340, but it's best...

Upvotes

Does the CAP COM Classic Credit Card do a hard pull?

John Miller, Credit Cards Moderator

Yes, the CAP COM Classic Credit Card does a hard pull on your credit report when you apply for the card. A hard pull usually results in a slight decrease in an applicant's credit score, but only for a short period of time. The hard inquiry allows the issuer to determine your credit risk and ultimately decide whether you'll be approved for an account.

The CAP COM Classic Credit Card is designed for people with bad credit, but it accepts applicants with...

Upvotes

does capcom give you an option to be alerted when your debit card is being used without you knowing

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* The information about the following cards has been independently collected by WalletHub: Broadview Platinum Credit Card, Broadview Credit Card, and CAP COM Federal Credit Union Classic Credit Card.

Eligibility

Find out if you are eligible to join Broadview FCU.

Broadview FCU Contact

Visit Website

800-727-3328

Headquarters

4 Winners Circle

Albany, NY 12205

Nearby Broadview FCU locations:

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Important Disclosures

* The information about the following cards has been independently collected by WalletHub: Broadview Platinum Credit Card, Broadview Credit Card, and CAP COM Federal Credit Union Classic Credit Card.