It is Philadelphia Federal Credit Union's fundamental belief, and the pride of them, that their members and employees are the real owners of this institution. That’s why they work so hard to help them achieve their financial goals and see their families thrive. And why they reinvest all their profits back to improve their... show more
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Philadelphia Federal Credit Union Reviews
5
40%
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2.9
53 reviews
53 reviews
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Philadelphia Federal Credit Union
Milagro Pereira @milagro_pereira
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1 Star Rating
Good luck trying to resolve an online issue. It has been three weeks since I was locked out of my online app, and I still cannot access it. They disabled the option and can't figure out how to unblock it. I spent two hours on the phone with a supervisor just to be told that the only way to reset my issue was to receive a call from their automated system, which does not work. They needed to put in a ticket, which she did not do because I needed to try something else first. There has been no follow-up after I emailed them. It's just useless.
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Product: Philadelphia Federal Credit Union Savings
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Philadelphia Federal Credit Union
sandra7020 @sandra7020
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1 Star Rating
Applied for a car loan and every step of the process was very frustrating. I kept getting conflicting information from different representatives; they dropped the ball several times and I had to reinitiate the process repeatedly. The person I ended up dealing with seemed extremely incompetent. They "lost my check in the mail." There are better credit unions out there with customer service personnel who actually care and know what they are doing.
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Product: Philadelphia Federal Credit Union Car Loans
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Philadelphia Federal Credit Union
Sandra Gray @blatzblatz
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1 Star Rating
Eight long weeks of phone tag without communication, unless I initiated the call. Stringent lending, even for members who have paid off previous car loans and have good credit. I will be taking my banking and loan needs elsewhere. Don't waste your effort unless you have unlimited time and patience, and zero debt.
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Product: Philadelphia Federal Credit Union Home Equity
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Philadelphia Federal Credit Union
hpatel7372 @hpatel7372
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1 Star Rating
BE CAREFUL! I inquired about mortgage, and when I asked for the monthly payment, I received written email stating that our repayment is based on 360 days a year versus 365. My monthly payment was estimated to be $47 more every month, resulting in $14,100 in excess payments for the 25-year loan for commercial (rental properties). There are online calculators; use them. I would suggest using three different calculators, and they all should arrive at the same number. Math is math. I am proficient in math and was able to catch this before moving forward with it. I just want to share this with others so that they do not get taken advantage of.
Think of it this way, if seven people are taken advantage of in a similar scenario as mine, that would be close to $100K in excess payments to the bank, in addition to the regular payments. PLEASE THINK THROUGH THIS AND GET QUOTES FROM MULTIPLE BANKS, I WOULD SUGGEST.
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Product: Philadelphia Federal Credit Union Mortgages
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Philadelphia Federal Credit Union
Terri Campbell @terricampbell20
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3 Star Rating
I have been a member since 1990. Since then, I have gotten all my biweekly paychecks directly deposited into my PFCU checking account. I now receive my monthly pension directly deposited into the same account. I have paid off three personal loans with them. Recently, I deposited a check from my 403B plan into the same account. A small portion of the check was on hold for 5 days, with the remainder on hold for 10 days. The teller asked for ID before depositing the check (I had never had that happen before), only to place it on hold. The entire check was placed on hold without informing me about the hold. I only found out when she handed me the deposit receipt. This event has me rethinking my longstanding membership with PFCU. I could have received better treatment at an online bank.
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Product: Philadelphia Federal Credit Union Business Services
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Philadelphia Federal Credit Union
marialegg88 @marialegg88
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5 Star Rating
Verified Customer
I love working with the federal credit union because they build your credit when you’re done paying your loan off I was very happy to work with them
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Product: Philadelphia Federal Credit Union Personal Loans
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Philadelphia Federal Credit Union
whuser66909256 @whuser66909256
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1 Star Rating
I called today at approx. 3pm, to do some transactions over the phone. Representative Brian after verifying me (my name, acc #, address and my cel # was provided) refused to provide serviced, stating that "he does not think he speaks with member". He said that I would have to come to office for any services. I asked him why, and if he assumed that I am female, and he said - yes. I was very upset. I am having now mental trauma because of PFCU. I went tonight and close account with them.
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Product: Philadelphia Federal Credit Union Savings
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Philadelphia Federal Credit Union
Dana @danajacobs12
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1 Star Rating
Verified Customer
Interest rate are to high which make it longer to pay off your loan.When I finished paying off the loan I will shop around to find a better loan.
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Product: Philadelphia Federal Credit Union Personal Loans
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Philadelphia Federal Credit Union
KM MK @isingstuff
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1 Star Rating
Unable to reach customer service quickly and unable to find my prior checking and savings account records! I waited almost an hour to get someone on the phone, which shouldn't be the case when a company is handling your money. They also don't advertise the fact that you are going to have to go into a branch to get your account completely set up. They should. I set up an account while I was out of state. I have a residence in Philly, but I was traveling for work. They took my money to open the account, gave me account numbers for the products I opened, then flagged the account and said I needed to come in with a social security card, birth certificate and utility bill. Then, they contacted me through some sort of third party service via email - ZIX. They never communicated that they would be communicating with me through this service, which is a security concern! I opened the email because I was on a protected system, only to discover they wanted me to come into the branch! I explained that I was a prior customer. They couldn't find my prior accounts! I tried calling to talk to someone and had to spend almost an hour on hold waiting to reach someone. The person I spoke to was nice, but couldn't find me in the system. I asked her if she could contact someone who could verify my prior account since her current active system clearly does not go back far enough. My account may have been archived. She said she could, but I would still have to come into a branch with my social and birth certificate. That's OK. I'm not even in the state right now. I had them send me the money I put in to initially fund the account back to me. Guess what? They took my money instantly, but somehow returning it will take 7 to 10 business days! No thank you. I'll take my business somewhere it is wanted and appreciated.
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Product: Philadelphia Federal Credit Union Checking
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Philadelphia Federal Credit Union
Evelyn @evelyna_19
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5 Star Rating
Love PFCU. Been a member for over 20 years. Never been denied a loan. Have paid off a few and got some more. There rates are fair.
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Philadelphia Federal Credit Union
Joseph @josephphilly2
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5 Star Rating
Approved for $8000 but I asked for $3000. I applied over the phone and the funds were dispersed in about 3 business days. Philadelphia FCU isn't the best credit union as far as they don't offer their own credit cards and their interest rates are higher than many credit unions but definitely lower than a bank. I have had a checking account with them for years.
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Philadelphia Federal Credit Union
_enn2112 @_enn2112
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1 Star Rating
Do not become a member of pffcu. The customer service is horrible. They have limitations on how many time you can use your debit card. The mortgage department doesn't know how to call you back and if you leave a message on someone's voicemail you won't get a call back till 3 days later and if you miss their call and immediately return ther call it goes right to voicemail. Go to another credit union and avoid this one all together. If I could give a minus star or no star at all I would.
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Product: Philadelphia Federal Credit Union Checking
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Philadelphia Federal Credit Union
bonez0429 @bonez0429
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2 Star Rating
The are an okay credit union but some their customer service policies (not to be confused with the customer service reps) are terrible.
They called me about $400 in fraudulent charges on my card. I called them back. On hold for a while. They closed my card but told me I couldn’t dispute the $400 because the charges were pending. Makes no sense. Now I have to find an extra $400 to keep in my account to cover the fraudulent charges. And I have to be inconvenienced I call them back another day to dispute the charges. The new card is to arrive in 7-10 business days. I asked if they could expedite. They said no. 10 days to get a new card?!! I had a fraudulent charge call from Bank of America. They immediately took off the charges even though they were pending and agreed to expedite my new card to 1-3 business days without charge since it was a fraudulent case. Simple. It’s like PFCU is still in the Stone Age.
To put a travel notice on your card you have to send them an email as opposed to just calling and having an automated service do it 30 seconds like my other cards. And when I did send the email up until the day of my flight I still didn’t hear from them or have a travel notice on my card. The last minute before my flight I had the stressful experience
Once lost my card in a foreign country and was basically stranded because the credit union had no back up plan. The rep literally told me they could not help me.
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Product: Philadelphia Federal Credit Union Credit Cards
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Philadelphia Federal Credit Union
Jake Farm @castromafia95
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2 Star Rating
Been with this bank for over 10 years and had my mishaps with their Ridiculous overdraft fees and sleuth foot deposit system but this personal loan ordeal takes the cake. I went in to apply for a 15k loan and literally sat with an associate for 40 minutes and agreed on a monthly payment and signed off on the loan which I was approved for and was told it would deposit the same day. 3 days passed and nothing was there until I contacted customer service in which I was told “they process loans everyday” so they couldn’t find my application. Then when they did I was approved for HALF the amount I agreed on. The cat and mouse games is too much so I’m withdrawing my funds and going to a new bank because they’re ridiculous
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Product: Philadelphia Federal Credit Union Personal Loans
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Philadelphia Federal Credit Union
Sylvia @sylviab_56
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5 Star Rating
Verified Customer
Very good . They allowed me choose the car I wanted and it kept the dealership from taking advantage of my the interest rate. Happy
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Product: Philadelphia Federal Credit Union Car Loans
Philadelphia Federal Credit Union Q&A(9 questions)
Get answers to your questions about Philadelphia Federal Credit Union 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.
The direct deposit will be made available on the same business day the deposit was made. If the deposit was made after 8:00pm ET, the amount will become available the next business day.
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