Collins Community Credit Union

Interest is very high. It keeps charging me late fees when the app isn't working. They will nickel and dime you. This place is not good. Go somewhere else.

Aj Wygle is amazing! He always goes above and beyond the call of duty for us. He is fast and efficient with all our business needs. I strongly recommend him for great customer service, and he always calls us back.

We thought it would be wise to go through our local credit union for our mortgage. These jokers will NOT return our phone calls inquiring about late fees they charged by mistake. We've written letters and included them with the mortgage payments, which we make by check, because there's no way these idiots are getting access to our bank accounts (which are not with CCCU - thank goodness).

We've had multiple weird and nearly unsolvable problems with this financial institution that are too numerous to list. At this point, if we refinance we would add tens of thousands of dollars to our debt, so we just muddle along with the muppets over at CCCU.

If your loan officer tries to steer you to CCCU for a mortgage just get a new loan officer. Because that one does not care about you.

Want to trust that your finances will be handled well – based upon our experience, they will NOT be through Collins Community Credit Union.

We financed our vehicle through Collins. When it came time to trade-in the vehicle, I called to obtain the payoff, the per diem, and the address to which the payoff should be mailed. The sales representative even tried to talk me into financing the new vehicle through Collins; apparently there were no notes taken of this phone call made to my account.

Eight weeks later, I received a call from Collins Credit Solutions informing me that my past due loan is now negatively impacting my credit.

1.      I NEVER paid my loan past due, the payments were made automatically every month

2.      Had notes been taken regarding my inquiry to a loan payoff amount, the CU surely could have connected some dots

I informed the CSR that the vehicle had been traded in and that I had called months ago for the payoff information, by now they should have received payment. I was asked to call the dealership. Long story short, the dealership provided me with the last name of the recipient as well as the day and time the check was received by the CU. I researched online to confirm this last name matched an employee of the CU.

1.      The mailroom employee didn’t recall receiving the check, “The Couriers know me and probably just assigned my name to the scan”…supposedly, the scanned mail that day was under ten envelopes of which none were from my dealer but yet, the envelope was scanned as received and signed for by the employee at the CU.

2.      Assuming this CU could have connected the dots was clearly far above expectations because, having worked in banking myself and now in Quality Assurance, they apparently have no procedure to confirm with the courier (before the courier leaves) that they have, in hand, the number of packages which the courier scanned as delivered. How does this bank audit the process?!

If this CU cannot perform a simple task such as verify mail received (I do this at my own home through the USPS informed delivery app) how can you trust that they will handle your finances? It wasn’t until I called out Collins for THEIR complete oversight that they became willing to contact the dealership themselves to ask that another check be issued to them (this was after I was asked to contact the dealership three times on their behalf – somewhere in my sixty hour work week).

I DO NOT recommend their services.

We have been with Collins for years. They have always meet our needs. Most tellers are well inform in their jobs. Loans have always been done with the customer in mind to meet their own goals.

The worst customer service I have ever experienced, period. Jeremy from Cedar Rapids clearly hates his job and will talk to you like you have offended him somehow by just calling for general information. And the leadership doesn’t seem to correct the actions across the board. Allot of them should not be in cs but should be working in a factory.

They will not update my car loan and its been paid off for months. I have tried to call and email and no one is doing anything. The car was totaled due to a flood and now my credit score is being ruined because of this awful credit union.

I have been a member of Collins Community Credit Union for just over 30 months now, since July 2010. They came to my attention when I decided to downsize my vehicle from a Chevy Suburban to a three-year old Honda Civic. I always get my financing in place before I start shopping for any major purchase. When I saw online that Collins offered their new car rates (which are very competitive) for cars up to five years old I knew I had to go talk with a loan officer.

I stopped in at the office closest to where I work and filled out an auto loan application. When I handed the completed application to the officer she looked at it, asked if I minded if she pulled a credit report right away. I said, “Fine.” She came back in less than 5 minutes and said I was approved for $30,000 upon proof that my child support payments were current. That was due to an incorrect report by Minnesota that I was behind on the payments. I gave the number of my contact at the Minnesota Support Enforcement Division, she called and found that the credit report entry was in error and that they would fax her a letter to that effect. She approved my pre-qualification on the spot.

On the rare occasion I have reason to call Collins they always pick up the phone within three rings. I have yet to not get a live person when I call, and have the information I need fast or get to someone who can find the information I need.

With their current new car rate of 2.89% I can't see that I'll dealing with any other financial institution for my next car loan.

But don't take my word for it give them a call or drop in and see for yourself.

I went with Collins Community Credit Union for my car loan because they gave me the best rate compared with any other credit union and had the most favorable terms. I got my car at a dealer so the application process was done there. It was very easy and painless, and they were even ok with me not wanting to give a down payment. After I got my welcome packet in the mail, I wanted to enroll in my account online in order to have easier access to my loan. They make you call in for a specialized PIN in order to enroll (for added security). They picked up on the first ring which was great. After I got enrolled, I was unsure which address to mail my car payment to. I used their online chat feature, instead of calling in, to find out what address to send it to. Someone responded to my question within 30 seconds which was very surprising in a good way. One thing I don't like is you cannot set up an automatic payment from a non-CCCU account in order to pay your bills. Overall, it was an easy and great experience. I will be using them again in the future for other services.

When I first moved to the area here in Cedar Rapids, I got a car loan through Collins Community Credit Union. They were one of two places that offered me a car loan with such limited credit. I was self employed and I did not have my two years of tax returns that were necessary for application at most places. They were very helpful and willing to work with me to get me on the road. I really needed a car at the time and I couldn't have been happier with them for being flexible with my situation. Based on my experience with a car loan with Collins Community Credit Union, I would recommend anybody to go there if they are looking for a car loan.