I have been a member for about 5 years now. All in all it is a great institution to be a non-profit. I was rebuilding my credit and they were the first to approve me for a credit card and then later on a car loan. First off before you critizise how they handle your loan payments make sure you fully understand how loans work and how interest is calculated. Any loan you will be paying a lot of interest on at first until you get the principal payment down. I have called in and used the Beaumont branch the most. The FSO there is awesome and has always been so helpful with any issues that I have. THe only two issues I have with them is that their online banking system looks like it is out of the 90's and they do not have a way to autodraft your loan payment from an outside bank.
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Being a credit union, I expected better customer service, wrong! They are worse than your conventional banks. The staff is very rude and unprofessional especially over the phone. This credit union will stop at nothing to make as much money as they can out of you. I was a member for 6 years before taking out a loan with them and that is when things went from bad to worse. They said there would be no penalty for paying off my loan early but they charged interest on every extra dollar paid before applying anything to the principle. I don't know what system they use to calculate their interest but it is ridiculous! They took 30% of every payment I made as interest. I finally refinanced elsewhere and I am still shocked at the difference in fees and interest charges! Just remarkable. I felt so used and cheated but glad I got out before they could steal any more of my money. They would not refund my GAP coverage either. Just stay away and save yourself a headache and a lot of money.