University Credit Union (UCU) is a unique financial solution for students, employees and alumni of Maine's University System, as well as their family members. There are a lot of great things that make UCU unique, with the most important difference being that they are a local, not-for-profit financial institution focused on serving their members.... show more
Eligibility
Find out if you are eligible to join University Credit Union.
University Credit Union Reviews
5
50%
4
10%
3
0%
2
10%
1
30%
3.4
10 reviews
10 reviews
What's Your Rating?
Review sort
University Credit Union
aspen_r_bloom @aspen_r_bloom
Report Abuse
5 Star Rating
I originally opened an account with UCU when I got my student loan with them while attending UMaine. Until now, I had a very neutral view of them because of my limited experience. Recently, though, I started trying to consolidate my accounts spread across half a dozen banks, and I landed on UCU. It has all the things I'd been looking for with its club accounts and great rates. Now, I use it almost exclusively (I got a better rate for my IRA elsewhere, and I already have credit accounts at other institutions) for banking and loans. They gave me a much better auto rate than I had or expected to get, and I truly believe that they want to make things as pleasant as possible for members. If you're ever in Orono, I recommend Rebecca, who goes between the location in the Memorial Union at UMaine and the headquarters.
show more
show less
Product: University Credit Union Student Loans
Comment
0
0
University Credit Union
power_brenda @power_brenda
Report Abuse
1 Star Rating
This used to be an excellent credit union. We used them for many years, but a year or two before the pandemic their customer service deteriorated and it has been abysmal since. Just hard to get people on the phone. I think all the loan officers "work" from home—it takes forever to get a phone call returned and then you can hear the dog barking in the background. We have moved our banking to Bangor Savings, which is excellent, but Camden National and Bar Harbor Bank and Trust are also terrific local choices. We've always preferred credit unions to banks, but I will take a quality local bank over the horrific service at UCU any day.
show more
show less
Product: University Credit Union Checking
Comment
0
0
University Credit Union
ltpiglet @ltpiglet
Report Abuse
1 Star Rating
Was never overly impressed, but now they are continuing to accumulate interest on deferred mortgages during this pandemic. Shame on them for trying to increase their profits at the expense of desperate Americans.
show more
show less
Product: University Credit Union Mortgages
Comment
0
0
University Credit Union
Deborah @deboraht26
Report Abuse
1 Star Rating
Worst Credit Union Ever! Took 600 out of my checking account without explanation or warning. I researched this (on my own, because they weren't going to help me) and it was a mistake they made last summer! I did receive a lot of condescending attitude but no explanation. They are terrible and very arrogant. It is one of the best decision of my life to get rid of them and go to an institution that respects me as a human being.
show more
show less
Product: University Credit Union Checking
Comment
0
0
University Credit Union
Angela Marcolini @angela_marcolini
Report Abuse
5 Star Rating
Having switched to UCU from Bank of America, I have to say I had low expectations for my satisfaction level with a banking institution. I am happy to report that UCU has been fantastic in every possible way. The staff are friendly and extremely helpful as I have opened joint checking and savings accounts, as well as applied for two car loans. I was able to work with the same person each time I required service within the branch. This really reduced the stress associated with applying for loans and opening new accounts.
show more
show less
Comment
0
0
University Credit Union
Sarah @studybakingpies
Report Abuse
5 Star Rating
I've had a great experience with the University Credit Union. I chose to switch my banking there mostly because of the location and close proximity to my University. I've always had pleasant experiences with their customer service and have found them to be knowledgeable. Once, I misplaced my checkbook, and they were quick to offer to print a sheet of replacement checks so that I could 'get by' and pay my bills on time without having to wait for a new order of a checkbook to come in. I only maintain a checking account through them, but I've never had any complaints. I try not to use other ATMs to extract cash, because unlike my account at a Bangor Savings Bank, they do not seem to reimburse the fees usually associated with ATM withdrawals.
show more
show less
Product: University Credit Union Checking
Comment
0
0
University Credit Union
Deirdre Byrne @deirdre_byrne15
Report Abuse
5 Star Rating
I have moved out-of-state and still have not switched banks. Between BillPay, linked accounts allowing me to transfer funds, and no fees, I've found UCU's on-line services to be more complete, convenient and cost-effective than any local credit unions that I've checked out in Maryland. I do all my banking on-line. On the rare occasions (2 in 3 years) that I need a branch, I use the Shared Branch arrangement. Once in a great while I need to talk to the branch and they generally have been able to answer my questions and solve my problems. While in Maine we also refinanced our mortgage through UCU and they made it simple and offered a great rate. About the only service that is cumbersome is doing an international transfer of funds.
show more
show less
Product: University Credit Union Checking
Comment
0
0
University Credit Union
Jared Duggan @jared_duggan_9
Report Abuse
2 Star Rating
My experience with UCU hasn't been the greatest. Their business hours are very poor during the summer months. It is almost impossible to get in for a person to person meeting. There is only one branch of UCU that even remains open during the summer, so if you don't live near the university during the summer, you will have to do all of your banking online. I once drove 2 hours to get to the only UCU that was open so that I could get a deposit slip. And when I got there they made me fill out a form, so that I could pick up the deposit slip tomorrow, because they were about to close. Its just a horribly inconvenient way to do business. The application process was easy, because they want to get as many students as possible to be a part of their credit union.
show more
show less
Product: University Credit Union Savings & CDs
Comment
0
0
University Credit Union
Kyle @ConceptualTrap
Report Abuse
4 Star Rating
I have had nothing but great experiences with University Credit Union and have been a member for over 10 years. They’ve always been very quick with replacing faulty debit cards and, depending on your location, their ATMs are in high traffic areas and readily accessible. Additionally, the customer service is top notch. They have refunded overage fees for me before and been, overall, remarkably helpful when it came to any issues that I might have with my account. I find that their office on the Orono campus tends to be very busy and can be frustrating while you wait however all of their other branches seem to be much less congested. I would definitely recommend this credit union.
show more
show less
Comment
0
0
+ 1 WalletHub user submitted a rating without writing a full review
Get answers to your questions about University 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.
Ad Disclosure: Certain offers,
companies or professionals (collectively “listings”) that appear on this site, originate from paying advertisers.
For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where listings appear on this site (including, for
example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array
of offers, companies and professionals, but our listings do not represent all financial services companies
or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does
not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely
independent and not provided, commissioned, or endorsed by any issuer, as our editors follow a strict
editorial policy.
WalletHub is not a financial advisor. Our goal is to provide you with top-notch
content, data, and tools. You are responsible for deciding what financial products and providers are best
for your needs.
We work hard to show you up-to-date product terms, however, this information does
not originate from us and thus, we do not guarantee its accuracy.
Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering
institution. Please let us
know if you notice any differences.
