They are amazing and helpful, I've never banked anywhere else but why would I want to!
I needed to get away form big banks,buh bye Citbank and Chase...
I don't carry a ton of money on my accounts and when I opened my account. I felt welcomed by the people at the branch. Not only did I get a new account, I got a car loan with the lowest interest rate for a used car. My deposits show up inmmeditely after depositing on my mobile app (I haven't had any bounced deposits though). If you are a good client and your word is worth something you will have a wonderful experience from this credit union.
Auto loan rates are a bit high and also doesn't report loan information to TransUnion.
I have auto loan and they have not reported the information to TransUnion.
+ves - easy approval process, actually Car dealer did all the paper work on my behalf.
Customer Service and service at the branch is THE BEST in San Jose area.
Auto loan interests are hight, I got it for 4.49%
Checking account dividends are very low, 0.05%, higher than Wells Fargo 0.01% :-)
KeyPoint doesn't report to TransUnion.
Elements pays 2% interest on checking with better terms than any other I could find. They also have great HSA benifits with the option to move money into a TD Ameritrade account for investing. I've searched for hours over months and couldn't find better terms. I've been with them over two years and love them. They really seem to believe in the best terms for members. You can join no matter where you live. The only things I'd ask them to improve are payouts on credit cards and better webpage technology. Their web pages are good, but could be better.
I have used GTFCU on multiple car loans and have been very happy with them. the only thing I would caution anybody on is the fact that this bank does not do direct fund transfer from my bank to them. Even though I have automatic payments, my bank has to print a paper check and mail it to them. the process takes about 3 days. all other banks/ and other similar instutions allow bank to bank funds transfers that take 1 day to process. not a big deal, but allow sufficienit time to get payments made on time.
HSFCU is one of few banks left that won't nickel and dime you, especially if you leave a savings account in good standing with them for years. I recently re-discovered an account my parents made for me with my birthday money from elementary school days; all other places would have started to apply dormant fees, but they didn't!
I got an Auto Loan about 14 months ago with US Eagle Federal Credit Union and have been very pleased with them they are very friendly and professional recently applied for a credit card and have had it for a month now and was approved with a 6.9% APR wich is amazing. Keep it up US Eagle :)
I refinanced both of my vehicles getting a much better interest rate. Vonchelle was very professional and always called back as promised. I recommend them. Ask for Vonchelle. She delivers customer service like a pro!
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