HAPO Community Credit Union

They Are Very Unprofessional And Rude
- New2010 - Wednesday, November 24, 2010 - 8:11 AM

I do not recommend this credit union and I have been a member for years. They are behind the times and going downhill as far as customer service. At least two employees have been extremely rude to me recently after years of not having issues. One manager was extremely rude when I was trying to make a complaint about the way I was treated when I was trying to pay them over the phone. They don’t even have a link on their own website to leave feedback or complaints. They are inconsistent, unreliable and rude. I will be closing the account as soon as possible.

Predatory Vultures
- BOC2013 - Saturday, April 6, 2013 - 2:53 PM

My girlfriend was in a coma on a ventilator. Her car was impounded in a lot and it could not be released to anyone but her, her Power of Attorney or HAPO, the lienholder. Before she was fully alert and could sign permission over to get it picked up, HAPO rolled a hauler and a Writ of Reposession to Spokane, took the car, served her with a NOTICE OF CUSTOY AND INTENT TO SELL giving her a week to pay off the entire loan, impound and towing costs and other gouging charges.

Here is the thing, before her accident, she had been one month behind and had made arrangements with HAPO to double pay in April and catch up. They illegally defaulted her loan while she is recovering from an accident and coma.

They are beyond the pale in predatory and likely illegal repossession and re-selling tactics. I'd never get a loan from these people because we all think something like what happened to my girlfriend won't happen to you or a loved one but it can and this outfit moves in like a vulture onto a cooling deer carcass along the highway to stab their grimy beaks into you as fast as they can.

DO NOT RISK YOUR FINANCIAL AND EMOTIONAL HEALTH. A car loan isn't worth it. Shop around.

Excruciatingly Slow & Volatile CD Rates
- Alskar - Saturday, March 16, 2013 - 1:37 PM

I attempted to take advantage of HAPO competitive CD rates but was foiled by excrutiatingly slow customer service and volatile CD rates.

I called and emailed HAPO to become a member.  I was told by both phone and email that there was no online membership application or any way to email the membership forms.  The CS agent told me that she would mail me the membership packet.  According to the postmark it took two days to get the membership packet in the mail and two more days for the USPS to deliver it.  I filled out the forms, had them notarized and mailed them back to HAPO (scanned forms are unacceptable). 

It took two days to delivery the forms via Priority Mail and two more days for HAPO to deliver it to the forms to a CS agent.

The process to become a member took two more days.

Once I was a member, it took them...you guessed it...two more days to create the IRA CD forms and email them to me.  Unfortunately, they spelled my name wrong.  Two more days later, I received forms with my name spelled correctly.

In the meantime HAPO changed their 5 year, IRA CD rates four times!  Between 2/14/2013 and 3/9/2013 HAPO changed their 5 year IRA CD rates four times. 

HAPO had competitive CD rates, and lower than average early withdrawal penalties (120 days vs 180 days), but they compound quarterly instead of daily or monthly so the penalty is actually pretty average.

I'm told that HAPO will correct many of the problems I experienced, but I based on my experience, I cannot recommend HAPO.

Happy With HAPO
- Nukenik - Thursday, February 24, 2011 - 2:27 PM

HAPO has been my primary checking and savings institution for years.  Although it is based in Washington State, I decided to keep my accounts when I moved across the country.  Their direct deposit and online services have worked flawlessly, with good backup on phone support.  Considering their five-star health rating, I'm planning to stay with them.