Superior Credit Union

If I could give zero stars, I would; this bank is terrible! When you allow your money to go into this bank... Beware!!! As I sit here now with a lock on my card for no apparent reason, I am being told that they have two other partners, one being Pfizer. Each partner has the authority to lock or unlock your card. This is day two of my card being locked! No food, no gas for my car, and I'm being told that I may even have to wait yet another day because a request has to be made for the other partners to release my funds. I was not introduced to any so-called partners when I opened this account; I have no idea who they are or why they would have a say on my funds! And sadly, none of the representatives seem to have enough knowledge to even explain why my card was locked in the first place. What made me even more upset is after I called and verified that the purchases were not fraudulent, I was told my card was back active! So I tried to make a purchase, but the card still didn't work, so I tried a few more times and then decided to call back to let them know it still wasn't working. The representative then tells me, oh well, because you tried to swipe the card a few times, it's now blocked until midnight. At this point, I'm furious. I then asked for a supervisor who turned out to be even worse than the first guy at explaining what was happening! No one could help me or fix the situation. I was told to wait until Monday to call the actual bank... once again no food, no gas to get home on my end. I understand the protection, but what I will never be able to understand is why, when I verified purchases, my account still stayed locked and is still locked now. I was also told I can't remove the protection! What was even more bizarre was they allowed a cash app transaction to go through while my card was locked! How is this protection?? This bank left me without any valid excuses; they just fed me nonsense to get me off the phone. Thank goodness I was not out of town, stranded. I was with Cinco Credit Union for almost 20 years before Superior came along and changed the name. I don't trust this company any longer; their representatives don't seem to know how to help and also suffer from a lack of proper knowledge. It's like handing your money over to someone unable to communicate. I'm switching to PNC. Pathetic!

A great credit union that I can't recommend enough. Great staff, great products, and a great financial institution! If you have a Superior near you and aren't using them, you are missing out.

Superior helps their members to be financially sound in every way they know how. They aren't out to just sell sell sell! They want to find the best way for you to save or earn money!

Superior did a great job on getting my mortgage refinanced. Quick process to get a mortgage and great rates. Easiest mortgage I have ever had.

Great place to do business! Convenient locations, best customer service. Competitive rates with any financial institution in the area!

They have the worst customer service. No branch answers their telephone and the wait time to speak to a representative is on average 45 minutes. There is no place on the website to order checks either. I am changing banks as soon as possible.

I’ve been dealing with them for 10 years now and have had nothing but good experiences. They worked with me when I hit hard times due to health . Their service is always prompt and friendly. I have several loans and my rates are fair and my credit good due to their help !

On April 15, 2019 I had an automatically payment drawn from my account for my car payment due on the 15th of this month (Monday). On Sunday I noticed my account was under $1 from the amount needed to make this payment. So on the 14th of the this month (Sunday) I put $100 cash into the night deposit to cover this payment. When I checked my account on Monday I noticed I was charged a late fee of $29.00 to going under my account by less than $1.00.

When I called the bank to ask about this charge I was told that the deduction for my car payment came out around 1:30am which caused the overdraft and that my deposit did not go in until the bank opened on Monday. So now I have to know the exact time an automatic deduction is going to be made to my account and make sure my deposit goes in before that deduction is made so I wont be charged an overdraft amount.

I think this is ridiculous. Most banks will apply all deposits first than all deductions made on the same day so your deposits will cover those deductions. Superior Choice Credit Union does not work that way. I have asked to have this overdraft overturned but to date it has not been done. I think it's time to find a new bank!!!

Think twice before joining this bank.

I feel that, while Superior is a welcome player in this small areas' overall banking game, they are somewhat behind the times. In my town, as in many in this region, Chase dominates, and the few remaining local concerns are fueled by people like my husband and I, who want to put our money where it will benefit local folks and businesses, not some brokers on Wall Street that we'll never be affected by. Because of that, I think it's been easy for Superior to be behind the times in several areas, with one that affects us the most being an ATM where you cannot make a deposit. This has made for several frantic mornings after a miscalculation made, generally because we specifically hold funds aside from the "big bank" to put in this account, and if we want to deposit them, we have to do it when the branch is open. That, to put it mildly, has sucked a few times.

Superior Federal Credit union is one of the worst credit unions I have ever had to deal with. They are often times stubborn if you have a problem and charge unbearable fees if you ever accidentally go into the negatives. For example if you overdraw $1.40 then by the time you get to the bank the next day you already owe them $150 it's such an insane fee. No other bank does this and on top of all that, they only have one branch. What kind of a credit union only has one branch. It is located in my hometown and I would never use them again. I recommend you stay away if it is not too late.