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State Employees Federal Credit Union (SEFCU)

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Application Process
Customer Service
Account Holder Ratings
2 5

Reviews (6)

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Aug 31, 2016
Nothing special, lackluster technology.
Anonymous Account Holder

I have never in all my life seen a bank that has so many online issues. 

Whenever you need to access your account, good luck, they're probably doing online maintenance.

Want to activate your Apple wallet? "Our system is doing maintenance, can you call back in an hour?"

Have had this account for 25 years, the ONLY reason I have it, is because my payroll posts two days earlier than the other banks. 

Seriously. I would not recommend SEFCU to anyone looking for a financial institution. 

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May 24, 2016

I had very good credit and i apply for this credit card, They denied my application which is very bad. I have very nice and good credits with very low utlizarion all of them not sure why they denied it.

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Mar 11, 2016
Anonymous Account Holder

My husband has accounts with SEFCU which included a credit line. At first everything was doing well. Until came a time when we were caught downhill financially and not able to pay our debts. We tried to plea with SEFCU for a possible negotiated payment option but they do not negotiate. They forwarded our account to a collecting agency right away. To make the story short, they were able to tarnish my husband's wages.

I am writing this to warn everyone. When comes to negotiating debts, banks are still the best.  SEFCU might have the lowest interest rate and best costumer service but when our family was falling apart, they don't have our family's back. There are really times in our lives when unavoidable financial tragedy will happen and everyone else will reach out to help but not SEFCU, at least to us. Thanks God, we did not do our home mortgage with them. We could have been homeless by now. 

Like I said, please be warned. If you need a credit line, a federal credit union is not the safest option to choose. We do not know what might happen financially  in the future. It's better safe than regret.

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Dec 01, 2014
Stay far away from this credit union!
Anonymous Account Holder

After the death of a parent who had a car loan with this company we tried to pay off the small balance on the loan to clear up the account. Our local Sefcu branch was rude and felt the need to make me wait for over 45 min. before they would even speek to me. A short time later when we attempted to pay off the small balance they would not except payment and requested the car be picked up by a repo company. When we had the estate settled we could then pay the balance along with the repo fee and storage fees to have the car returned to us. The repo company stated to me that Sefcu was there best company.

At the same time I worked with another credit union who my parent had an account with and they were wonderful and understanding and could not have been better to deal with during this very hard time. NEVER have any dealings with this credit union.

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Feb 28, 2014
Anonymous Account Holder

Courteous and seem interested in helping.  Got to know me by name quickly.  Unfortunately, their application processes are too formulaic.  For example, to improve my credit rating, I wanted to borrow the $$ & use my cash on hand for more than the amoung as collateral.  Instead of telling me that this couldn't be done, they ran a hard pull credit report despite my asking ONLY for the feasibility of same.  In another instance, there were consecutive requirements to apply for mobile banking compared to the bait of the mobile banking flyer.  And when I read the mobile banking agreement before signing, it was clearly a cob-job where someone didn't even consistently apply a 'find-and-replace' process to change the agreement from businesses to personal only.  Their on-line credit card process is very user unfriendly to this techno-migrant, too

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Aug 13, 2013
I love this place
Anonymous Account Holder

I use SEFCU for all of my banking needs. They have many locations in my area, and have the best customer service.

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