United Federal

If there was an option for "0" stars, that's what I would give this money-hungry, customer-unfriendly bank. They are greedier, ruder, and more impatient than any other bank I've ever dealt with.

Hey, people in the United States, do not trust them or borrow anything, or you will be sorry if any tragedy happens in your life and you can't make a payment. Do not cosign for anything if your loved one is using this bank! They will not even look for the loan holder and will immediately come after the cosigner with absolutely no communication. They will garnish every paycheck and your tax refund and charge any fee they can, with a lawyer, in court, at the highest interest legally possible, no matter what your credit score.

Advertises a balance transfer card would not approve me for any credit despite a 755 credit score, $6,000 in debt, and a recently paid-off auto loan. They still performed a hard pull on my credit to see nearly 9 years of outstanding credit history.

Like many others on this website, I used to admire UFCU for its customer service. Presently, my auto loan servicing is horrendous. Simple questions are not answered, or the answers appear to be read from a script, repeatedly. None of which answers your question. There is much fine print in the auto loan information. Beware that early payments of principal will have no effect on the amount of principal paid off in subsequent payments. Payoff is a painful process if you do not have the payoff money in a UFCU savings account. Electronic payoff payments are charged a fee of $15, and you have to call them. Daily interest charges continue to accrue to your loan after you submit a payoff amount, and UFCU is processing the payoff!

I am sticking with the Ultra checking but expect to leave if the bonus interest disappears. The local branch was affected by Hurricane Helene and still waiting for it to reopen 9 months later. The remaining branches are far away or incredibly difficult to reach because of traffic and their location.

I have been with UFCU for 4 years. When I first started with them, they were great. I recently applied for a credit card and was told it would be mailed back on 5/8. Today is 6/9, and I received the card postdated 6/4. I called to activate it, and they tell me the card is no longer active and I have to wait for another one to be issued. They have dropped the ball now for over a month. I spoke with Tania from customer service; she was rude, has no customer service skills, and lies just to get you off the phone. I will be canceling all my accounts with them. I'm done with this horrible bank! Don't use them for anything; they are unprofessional.

We recently moved to a neighboring state. In order to transfer titles to our vehicles and register in the new state to get license plates, we were required to get UFCU to fill out a form and notarize it before the new state would issue a title and license plates. I sent the forms to UFCU electronically and never got a response. After almost two weeks, I called customer service and was told that the forms were never sent. By this time, my vehicle registration from the previous state had expired. UFCU then informed me that they would send the forms to their titling department, who would then send them back to me by snail mail.

Now, I am looking at a minimum of two more weeks without a way to get back and forth to work. I can't express how much I disapprove of the way UFCU has dropped the ball on this simple transaction. There is nothing like having to hitchhike to and from work across state lines when you're paying for a vehicle to sit in the driveway because you cannot get it registered legally.

I have been a loyal customer of UFCU for many years, through multiple loans that were successfully paid off. This has been a very unsatisfying experience, and I will definitely be looking elsewhere in the future for any and all my financial needs.

I’ve been with United since 2017. I’ve always loved it, it was hassle free and had kind staff. Recently, I got a letter in the mail stating that new changes to the ultra checking accounts would be made. It said that if you didn’t keep $300 in your savings accounts each month $3 would be taken out. I called with a financial advisor present to help with the discussion. When we called we had a women named Mary pick up with a horrible attitude. The minute she picked up she seemed annoyed that we called. I gave permission for my financial advisor to stay on the phone with me but Mary refused to discuss (even simple non personal questions) with us if he was present. When I asked him to leave and it was just Mary and I she wouldn’t give detail to any of my questions. She just kept saying “it won’t effect you” even though I really wanted to get better understanding of it all. United Federal Credit Union is not like it use to be. They’re making a lot of new changes and it seems that their customer service has gotten way worse. Don’t waste your time, I doubt they get better.

Best card ever recommended never thought I was gonna be that better on score simple and best fast approval to better my score try it !

We used to LOVE UFCU. Small, personal, great service.
They have grown and recently 'upgraded' their software. This new upgrade has been nothing short of a nightmare. We hate it and wish they had left things as they were. Statements used to be available on the first of the month for the prior month. Now, they are rarely ready during the first week after the close of the month. We had personal and work related expense accounts that were nicely separate. Now they are a mixed mess. We really are trying to give them time to straighten things out because we like the folks at our local branch, but it's been being 'worked on' for months now and we have about had enough. I only give 2 stars because we do like our local folks. Unfortunately, they cannot fix these problems on the local level.

They are crooks and will charge you a late payment of $40 if a day late. I was never late and somehow accumulated over $540 in late payments they decided to tack onto the end bill. I let them reposess it.

If you plan to open a business account with UFCU, DO NOT DO IT!! The bank lacks in systems to operate business transfer, wire-transfer, ACH and everything else. Awful chat service which ever requires you go to a local branch to confirm you own identity. I DO NOT RECOMMEND operating any business using UFCU!!

Greatest people to work with. I recommend them to anyone. Super Super nice and will assist with any money matters. I’ve been with them now a little over 3 yrs.

Excellent rates! I have had several vehicles financed through the credit union. I have been pleased every time. I will continue to do business with them.

i love this bank we even have a atm at work been having this account for 5 years they have rewards when you shop they gift you with gifts and gift cards with points the help you with your credit send a call if something doesnt look right on your account

Love UFCU they are a great bank who just wants to help. They took all my high interest rate loans and gave me great interest rates on them.