Utah Community Credit Union (UCCU) Reviews

3.0 out of 5 stars
4 Reviews

From Account Holders in the last year

ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL

Application Process

3 out of 5 stars

Customer Service

3 out of 5 stars

3 5
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These reviews were written by current and former account holders in the last year.

Dec 14, 2017
1 Good, 1 medium, 1 Bad - runaround
zr1lt5 Account Holder

Dealt with UCCU 3 different times:

In 2015 - Wife worked on car loan with them.  Got an ok rate, they set up on the loan, the guy was real good to work with.

In 2016 - I was looking at a car and called UCCU.  The guy was real nice again.  I told him my credit was really low in the low 500's.  He said to try anyway, so we did.  He ran the credit report, he sent it to the underwriters, however it was denied.

In 2017 - at the beginning of the year, I did a bankruptcy and finally things were on an upward track.  Later, an unforseen thing with the car (oh joy).

Wife called UCCU - they guy from before was no longer there, so we worked with another person.  They ran her credit and accepted her income documents from her own business as a health professional.  The credit score came back 740 and UCCU sent us an email saying the loan was "approved" (their words).  But the next day, they changed their tune and said that they couldn't verify her income from her own business.

She sent them bank statements, copies of customer checks paying her, copies of credit card transactions of customers paying her through the Visa/Mastercard/creditcard system.  They said the amount of money was good, but that they couldn't "verify" the income.  But if she had a 1099 for 2017, they could use that.  She said the accountant won't be doing 1099's until January 2018 as we're still in 2017.

Then UCCU said they could add my income to the loan and verify that (I'm a W2 employee).  She told them that my credit was low and I had a bankruptcy earlier this year, but they said that they would "use the better of the two credit scores" (their words again).

So I sent my info and I called them and gave them my ok for it and they reiterated that they would use the better of the two credit scores.  So they run my credit score...higher than before at 581, but still lousy, which was expected.  They said they'd run things and get it processed.

Another day - then their story changes again.

Then they said that since my credit was bad, they couldn't approve the loan.  What about the story of using the better of two credit scores?  They wouldn't answer that.

So then the loan person says that they could go forward if the debt/income ratio was lower, so we look at cars that were smaller and lower cost and talk to them again.

Then their story changes again.  

Then they said that it's due to the bankruptcy for me.

Well we knew all that even before they did a hard-credit-check on me.  They knew that before they suggested going to spend time and effort to look at lower cost cars.

They just gave us the runaround and now there's hard-credit-checks on me for no reason at all.

They change their story often.

They communicate one goal we're working for, then the goal that they set, they move the goalposts.

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Jun 02, 2017
Solid, with a couple of quirks.
Anonymous Account Holder

Good rates, great customer service. For some reason, they don't process their direct deposits until the branches open (~8AM)-this is annoying.

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May 27, 2017
A Mistake by UCCU Jeopardizing Home
Anonymous Account Holder

UCCU has misreported (good credit) to credit bureaus in error under the incorrect social of my son (simple typo on their behalf). Because he has credit under two socials, it's a fraud flag and can't get their mortgage through underwriting. UCCU will not step up and take appropriate responsibility. They EVENTUALLY sent in a correction with a standard form and turnaround without working to expedite it or contact anyone personally at the credit bureaus, and I feel have disregarded the impact of their error, which has caused their home to go out of contract after a multiple-bid situation with backup offers and have them move twice, pay for and put everything in storage and take countless hours off work to attempt to resolve this. Not cool. Poor risk management. Bad customer care. 👎🏻

What a SHAME that they can't go the extra mile to fix their own error and help two kids who have worked so he's for good credit and employment history to buy their first home.

Now the kids have extra expenses and time lost from work and no where to move to. Don't bank here - heaven forbid they make en error - they don't care to fix them or take responsibility for the damage.

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May 16, 2017
Low rates + good customer service
mtnbkr1880 Account Holder

Always on top of the new ideas and they have great rate sales. Super low rates and excellent customer service!

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