SECU

Secu is the worst bank to ever exist in the world. The automated messages are run by the world's most braindead person. They repeatedly ask you the same questions millions of times, only to PRETEND like your information is invalid. All Secus should be shut down. They are trash.

If you're considering a large mortgage with this credit union: don't. They are simply not operationally equipped to service jumbo loans, and borrowers end up paying for their internal shortcomings.

From day one, it’s been clear that their systems can't handle large payment amounts. For over a year, we were forced to split monthly payments because their platform couldn't process a single payment over a certain limit. Annoying, risky, and completely unnecessary for a lender offering loans of this size.

The real disaster came after an escrow adjustment. Our autopay was set to "pay in full," but they never updated the amount. They kept drafting the old payment, marked every transaction as "succeeded," and never once alerted us that funds weren't being applied correctly. Instead, they quietly shuffled money across months internally, creating a cascading shortfall we had no way of seeing or fixing.

We only found out after the damage was already done. They refunded fees (which is basically admitting it was their administrative failure), but then refused to fix the credit reporting. So now we're dealing with the credit impact caused entirely by their broken systems and poor servicing.

Emails receive boilerplate replies. Phone calls go unanswered. No accountability, no ownership, no real resolution.

Bottom line: This is a small state credit union trying to play in the jumbo mortgage space without the infrastructure to do it safely. If you value your time, your sanity, and especially your credit, take your business somewhere that actually has systems built for loans of this size.

I wanted some information on opening an account on a Monday at 2:05 PM and called for one detail. I spent 10 minutes on the automated phone service just to be told that I had reached them outside of normal business hours and no one was available. Way to go, SECU, that's not what your business hours state! I must have dodged a bullet.

We just realized that Secu has been charging interest for five years on a cash advance that never happened. And they refuse to dispute it. The cash advance was $200. They have been paid over 100 times the amount. Please... PLEASE... always look at your statements. Staff is rude and will pass you around to avoid actually helping you. This place tried to drain us dry. Needless to say, my account is now closed and I would never do business here again. NEVER! I use gift cards now.

I have been with SECU for about one year now, and my experience has been the worst. I deposited a check from my mom, and they cleared it but locked me out of my account for an unspecified reason and said I must report to the fraud department for further review of the check. I placed that money into my savings, thinking it would be safe and handled correctly; I thought wrong. I don't know when I'm going to get my money or if there has been any resolution yet, or any specifics on why they did this to my account when I deposit money all the time. This is not the first time; they did this to me on vacation, and I was locked out of my account without prior notification. Once I receive my money, I am closing my account. This is the worst bank I've ever had. Do not open an account if you plan to use it consistently; they are unstable and are not the best communicators.

SECU is a disgrace. I’ve been a loyal member with fair credit and over 3 years of flawless mortgage payments on the FHA loan they gave me. Yet they’ve denied me for both a simple personal loan and a HELOC, using shady “drive-by” appraisals and automated tools to lowball my home’s value. The reps are shady they claim a drive by appraisal was done but when I requested a copy of the report, it was a valuation online tool report. That was completely inaccurate it did not even have the proper number of rooms my home has or anything.

Back in January they valued my home higher, but still capped me at 75% LTV. Now they’re claiming my home is worth even less than what I paid for it in 2022 — without ever stepping inside or looking at my upgrades. Meanwhile, a third-party lender pre-approved me with a lower DTI, higher LTV, and higher valuation, proving SECU’s numbers are bogus.

They approved me for a $200k mortgage in 2022 but now act like I’m too risky for a fraction of that? Meanwhile my credit file reflects exceptional payment history. It reeks of bias, discrimination, and broken lending practices.

SECU does not stand by its members, does not lend fairly, and plays games with appraisals. If you want transparency and equal treatment, stay far away.

I agree, they are the worst! Managers and Tellers are untrustworthy or thieves! I have talked to two different managers from the Linthicum, MD credit union regarding them cashing a stolen check that was written to my supplier for $494.99. But they gave someone who signed it (N Davis, nothing close to who I wrote it out to) $4,940.99 even though it was spelled out: Four Hundred Ninety-Four Dollars and 99 cents. N. Davis or someone from this location added a zero which overdrew my account. We are in September 2025 now, and this was reported at the beginning of June 2025. It still hasn't been resolved, and I still have not heard back from Angela or Zach, the Managers I contacted. Be careful with these people. They are either untrustworthy or they should not be handling money or transactions because they are incompetent.

Has gotten worse and worse when they choose to extract insufficient funds fees. I've been with them for ten years. It's time to move on to a new bank/credit union.

OMG! They are the worst. I've been with them for 10 years, and they charged me a $30 fee for a declined charge and won't refund it, which is insane. Don't waste your time with them; they don't care.

Over the past years, money has been missing from my account. I keep records of every purchase. I had to make several phone calls to SECU about this issue, but it wasn't resolved. I just took it as a loss.

SECU removed autopay from my account without my knowledge. This was directly responsible for the only late payment on any of my accounts on my credit report. I only discovered the late payment thru an alert from a credit reporting agency. Secu made no effort to contact me about this issue. I contacted Secu immediately to correct the problem. They claimed no responsibility for their actions.

Do not use SECU; they cancel your membership without notification until you try to use online banking, and you see all your accounts are gone. No one could tell me why. My spouse and I are not aware of any reason. I was told the account was canceled, and they will mail a letter this week with the reason. My payroll was refused, and now I have to wait 7 days for my employer to receive the rejected money and reroute it to another bank. In the meantime, we don't have any access to our money. SECU gets a 1 star because Linda in customer service was at least respectful. Although, when I asked why they could not notify first, she said that is not how it works. I am appalled after being a member for years that they do this to their members.

Do not use this bank! I have spent my whole day trying to pay my bill. They are not allowed to take money over the phone. Can you believe it? They would not give me my member number either. I tried to pay online as they suggested, and it still would not accept my payment. Why are they in business? I spoke to eight people already today, and now I am waiting again to speak to another person.

I have had more mistakes and poor management services than the other seven banks where I have large deposits. The management and other office services, especially their avoidance of customers when there's an issue, have been consistently disappointing. I've tried several different SECU locations and encountered the same results.

My father is elderly and has over $7,000 in fraudulent charges on his credit card. I called to dispute the charges, and now, after 5 months, there is still no resolution. They continue to try to charge him interest and require him to make monthly payments. They have reported him as late, even though they assured me they would not do so while the investigation was underway. I investigated the charges myself and in less than 20 minutes, I found out it was a known scam. Brianna, who was a supervisor in card services, said they couldn't handle it because it was charged during a system transition. She transferred me to Ambrosia in member services, who then said she couldn't assist me with any issues from 2023. My elderly disabled father and I are now required to visit the credit union in person for help. I'm planning to sue and close all of his accounts. I have spent over 12 hours on phone calls each month.