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Security Service Federal Credit Union (SSFCU)

2.2 out of 5 stars
10 Reviews

From Account Holders in the last year


Application Process

3.5 out of 5 stars

Customer Service

3 out of 5 stars

2 5

These reviews were written by current and former account holders in the last year.

Jan 28, 2017
Great experiences
femmeraven Account Holder

Not only do I bank at this institution but I've also financed loans and have had credit cards with them for almost 10 years.  They have always been of great service when I had questions or needed help. 

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Jan 03, 2017
Anonymous Account Holder

Took over 30 minutes on hold to speak to someone. They do not respond to online banking messages. Continued to draft money from my account and only randomly sent me statements. I would definitely recommend using a different bank for loans!!

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Jan 28, 2017

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Dec 19, 2016
opts you into paid programs w/ no apprvl
Anonymous Account Holder

Out of the blue, I received an email advising that they were opting me into a super protected checking program with out my permission.  At the very bottom they indicate this will charge me $6 a month for a program I never showed any interest in.  The only way to opt out of the program was to call or go into a branch.  If I would have overlooked the email, they would have automatically started charging me $6 for a program that I never wanted.  VERY SHADY.  When I called to complain, the service was less than helpful and had a 'we dont care" attitude.  I asked for their email address and I wrote a very concerned email regarding the issue, cc'd the senior VP, and of course, I've received no reply.

I'm in the process of finding another bank now.

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Dec 22, 2016

I received the email but never responded. A week later I received a letter in the mail with more information. It does give you the option to opt out of the program. Just call them and let them know you don't want the protection part and you won't have the monthly fee.

Nov 30, 2016
They are slightly shady.
Anonymous Account Holder

Just keep an eye on your email. Sometimes they try to upgrade your account and just send you an email letting you know they're going to do so. The email is worded like you don't have the option to opt out. Just call them and tell them to put it back. They will always have free checking as an option.

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Nov 29, 2016
Fees, Fees, Fees
TexasQT1 Account Holder

I had items clearing that there were funds to cover, then Groupon erroneously placed a pending charge on my account of $34, causing the other items to appear to OD the account, yet when the pending charge disappeared and the other items cleared my account, I still had a $7 balance, but they still charged me 3 overdraft fees of over $27!  I had a balance in the black and they refused to reverse the fees!  GOODBYE SSFCU!!!  They are a bunch of money hungry clowns, with very poor customer service skills.

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Oct 24, 2016
Very shady practices
Ekyle Account Holder

Beware, be very very wary of this Bank. 

1, They do no tlist on the online payment histor, nor on the monthly statementsy if an there is an upaid amount. Yet behind the scenes they tack on a "extension fee" for the upaid amount, which is als not listed any where on the online payment history, or on your monthly statements. 

2, When I inquired as to "Why a customer is not given any indication of an unpaid amoun gaining these extension fees, they could only respond with an answer about "how the system calculates it"   When I asked them, where a customer can see the unpaid amount and these fees, they're response "unfortunatey there is not a dedicated box for unpaid amounts. 

3, When I pointed out the flaw, and how it's causing a misrepresentation of what's actually due each month for the laon, their response was to offer me an alternate payment option for the fees.  And would add my "log my concern in regards to a future update" 

I really doubt this is the first someone has brough this to their attention, so my faith they will actually "update the system" is zero! Nor do I feel it's right to blindly charge people a fee when you're not many ANY attempt to make them aware it's happening, and just blaming it on "how the system calculates" yet not taking any responsiblity for this issue, nor offering to waive the fees. 

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Aug 19, 2016
Horrible, do not finance with them
LillyBug1974 Account Holder

Worst customer service there is..... Paying off a loan should be easy, not painful! Total Loss department needs to be a total loss.... Was in a car accident and my car is totaled. It's been 3 months and their department has done nothing to get the insurance companies the information needed to finalize my claim. It's a daily battle!!! They lie, and think destroying credit is acceptable business processes!

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Aug 09, 2016
Very unwilling to communicate or resolve
Anonymous Account Holder

Do not get an auto loan with them. You will never get the payoff right or they will stall as to collect more money

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May 04, 2016
Ok - But not if a victim of FRAUD
SATXTC Account Holder

I have no problem with the normal banking services, but recently had a large fraudulent transaction made with my card.  I reported it immediately.  They refused to credit my account or release the pending transactions.  They even told me to contant the company to get a refund, which was not possible.   My account was overdrawn as a result and all they could say is use the remaining 200 of overdraft protection to pay my bills while they investigate for 10 days.  Unacceptable.  I'm going back to a real bank.  I had enough of these amateurs.

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Apr 27, 2016
Love them. Great Tech and Terms.
DrD13 Account Holder

Pros: Great Tech, Great Terms

Technology is better than many credit unions and some commercial banks.  Web pages are easy to use, the bank is compatible with Mint and the iOS app works well.  Transfers work quickly, fees are low or non-existent.  Credit Card terms are much better than most with the lowest rates I’ve seen.  There is a no annual fee travel rewards credit card with no foreign transaction fee.  Customer service has been excellent for me.

Cons: Application Process (for me, see notes) and low savings interest rates (although still better than most banks)

Living in Broomfield 80020 should have been an application qualification, but they draw a smaller district around their Broomfield office location and eliminated me by address.  I had other qualifications, but this threw the application process into limbo for weeks.  Customer service on the phone was excellent and eventually moved me through the process including speeding up my ability to transfer funds online.  Great outcome after initial difficulty.

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