SELCO Community Credit Union

The worst credit union or bank I have worked with. They are a disaster. Avoid them; just avoid them, and don't ask why. I made payments for 4 years, everything on time, and they pulled the money automatically from my account, yet in the end, I got the credit report stating that I am late for a payment when I was never late. They destroyed my credit and only said sorry. They don't deserve a chance or to be on the market.

Worst experience. I wish I could give them a negative rating. They have ruined my nearly perfect credit score by starting a repossession due to my hospitalization in the ICU from a car accident. They didn't offer me a hardship program or inquire about my situation, but just told me to "take ownership and deal with the consequences." I requested to speak with superiors from corporate, and she only emailed me, not even having the decency to try calling. I was with them for 4 years, and because of my incapacity (lack of communication with them), they literally have the power to affect people's lives this significant. This is unnecessary work I have already had to put immense effort into, especially after the accident that left me unable to do anything. I even offered my medical records! There should be a policy against such practice, not only for consumer rights but for anyone fighting for themselves after an accident that was beyond their control.

It's ironic how landlords, electric companies, and others are all able to understand and be willing to negotiate or work something out, but not Selco. The ppl involved in doing all of this probably hates their lives. A company like this wouldn't think twice about firing them and would hire someone else instantly, possibly at a higher pay. Thank you for opening my eyes, Selco. Oh, and of course they still want their money. But I had tried to pay them in cash before all this took place! I'd advise against going through Selco for anything. Amen.

Worst credit union I’ve ever worked with. I think things are even better than this one save your time and effort and money. They do not care about the little man.

Debt is for suckers. Don’t be tricked by 0% interest or cash back. It’s a scam and you’re the one losing. Earning $2 on a $200 purchase is chump change compared to the 25% interest that you pay once you fall behind and can’t pay the balance at the end of the month. They will get you. They always do.

It has a good rate and friendly service. It’s one of my oldest cards and I’ve never been disappointed. I wish it offered rewards or miles

These people run a racket to get your money however they can.

They are charging overdraft fees for things that are literally never taken from your bank account. They will not only decline the transaction, but charge you $25 every time they decline it.

It’s called an overdraft fee because they withdraw more money than what’s in your bank account. So why am I getting an overdraft fee even when a withdrawal isn’t being made?!

This business is unethical and immoral. I went to a community credit union to get away from predatory practices, but they are easily just as bad if not worse than any major bank I’ve dealt with.

We opened a business account with Selco and have been disappointed with their service. It seems they are very understaffed for business services, it takes days to get a call back from someone in the department...if at all... we've been struggling to figure out how to bank for our small business and could have used more support.

Went to deposit money into my wife's account as she had asked since she would be at work. I got a lecture from a snotty staff member about how "she should take the card away from me, but won't this time", she finished the deposit. Then reported my wife's card as stolen. No big deal, we are only in the middle of moving. Thanks folks, we will be choosing a new financial institution.

The two times I have called in about my account I have gotten extremely rude customer service representatives. This last time was enough for me to decide I am going to close my accounts here at selco. I am extremely disappointed in the hostility that came from the woman I was talking to. I went to try and explain my situation to her and she repeatedily talked over me and then put me on hold. When she came back she told me there was nothing they could do to help me even though what was going on with the account was of not fault of my own. I am disappointment because I loved selco before but two terrible experiences ruined it for me.

Update I have paid my 48mo loan off at 25mo. I have spoke with multiple people asking if they can retract the negative remarks reported to my cridet buaru the last 3mo. I sent in 3 checks via bill pay in march they said they didn't recive but was taken out of my account.
I am current homeless with 3 babies. Because Selco will not ask the cridet buearu to remove 2 late payments they reported after I made a 5,000 payment remind u payment is 200 per mo. On 4yr loan I paid off in 2 yrs.
My home loan was soly pulled out from underneth me the day my realtor made the offer based of selco reporting ON A LOAN PAID OFF 2 YRS IN ADVANCE. SELCO SUCKS WAY TO TREAT GOOD COUSTOMER THAT PAY THIER LOANS OFF EARLY.

My parents have been members at Selco my whole life, and Selco was my first bank as well. Overall, the service was top-notch and very personable. We were always greeted by name when we went into our local branch to do any manner to banking business. I even received a scholarship to help me go to college from Selco at large, and my local branch was so proud of me for representing them in that competition. Selco very much has a family feel. I was sad to leave! (And my only reason for doing so was that I moved to China and needed an international bank instead)

I am new to Selco, and I have to say that I am very pleased so far. I joined based off of a recommendation from a friend that has been with Selco for years. So far I just have a checking account through them, but I can see myself using many offer services with them for years to come. I have a branch very close to my house, and after a few trips, everyone remembers my name and greets me when I come in the door. Very warm and welcoming!

My family has been using Selco for years, and when I graduated high school I represented my local branch to win a Selco scholarship for college. I feel connected to this credit union and like the familiarity of knowing everyone when I went in for any kind of transaction. However, as I began to travel internationally, belonging to Selco became increasingly inconvenient. It lacked the international connections and conveniences that other banks could offer me. Because of this, I had to close my accounts at Selco when I moved. However, I still miss the community and personality of being a part of a credit union.