As a NH resident where they are from and military member, I thought I'd give them a try a few years ago. I also have USAA accounts and my only real complaint with them was the lack of local branches, hence the trial run. After starting a basic account I quickly found that their rates were always significantly worse than USAA (and my other accounts with Citizens and TD bank). In one case they turned me down for a car loan when I have very good credit and every other bank not only approved me, but with excellent rates. So, experiment ended, I soon closed the account and moved on. Now, a few years later upon a PCS to Germany I decide to give them another try since they have branches in country. So far I have found that they nickel and dime you with fees for every service, consistently have the worse Euro conversion rates, even though they are staffed by Americans, take both German and US holidays off, have nowhere near the convenient hours that they have stateside, and on top of it all limit your access to money like you are in a 3rd world country. With weekly spending limits on their VPAY card (only 1k Euro per week!) that they charge you for and per day branch limits of 3000Euro, which makes it pretty darn hard to do things like buy a car, furniture, or pay deposits on housing without the hassles, lead times, and additional fees of doing wire transfers, they are neither a bargain nor a convenience. By far the worst credit union - which supposedly at least nominally have their customers/owners best interests in mind.
This has been my experience since day one. I have been having difficulty paying my auto loan on the website every month. I have called them on several occasions to try to figure out what is wrong with the website and no one seemed to know. When i try to login and pay my bill it takes 5-6 times to navigate each screen. On one occasion I actually submitted two payments on the same day because there website does not work. This month I did not want to make the same mistake so once I felt like my payment was processed I went on about my business. A couple of weeks later I was hearing from their collections because my account was a couple weeks late. I made the payment and explained my frequent calls regarding the website, my history of making a double payment, and that I thought the bill was paid. Fast forward to today when I received a notice in the mail that I was being charged a 5 dollar late fee and being reported to the credit bureau. The payment was made last week and I spoke with someone at the bank. As of today it would only be 20 days past due. At least I learned why I was having problems. Apparently my Safari is too advanced for their outdated website. But they have no problem hitting me with a 5 dollar fee and are quick to report someone who has never gone 30 days past due.
I have been with SCU for over 10 years, and in all of this time I have consistently been a member for their online banking program as well. I find that the website is easy to navigate, and their mobile platform is also easily accessible. I love that they give a breakdown graph of everything I spend my money on, so I can further budget for the months to come. I also like that I can shop for products to redeem from my rewards points right on their website. The interface of the mobile site is very user-friendly, and not cluttered by unwanted and/or irrelevant information. The only thing that I would change, is I am not a fan of how those pop-up ads come up right when you go to check your account. Even if you click not to receive them again before you go to your overview, they still end up appearing, or another one will. That is the only thing that I do not like.
My opinion of Service Credit Union is that it is a fairly average credit union. I became a member only because due to being the sole bank/credit union on an overseas military base I was stationed at. It provided a few useful services, such as foreign currency exchange and cashier checks, which were all useful while living in Europe. I opened an interest accruing checking account, which at the time did not require a minimum balance. While serving overseas, customer service was decent, but not outstanding.
Upon returning the USA, I found Service Credit Union had a branch relatively close to where I lived. Customer service here was subpar. I had an overdraft at one point, and when I went in to pay the overdraft as well as the fee, I was treated pretty rudely by the teller. Dealing with their customer service over the phone was generally a painful experience as well.
Overall, I'd grade Service Credit Union as completely average. It's not bad, but there are far better banking options out there.
They really ought to mix things upwhen they write their own reviews. Why are the only positive reviews a) from folks who lwant to talk how theyve been with the bank since they were kids b) babble about how "seamless" on-line bankins is and c) think we care that their tellers recognize some kid by name.
Clearly one person writing multiple reviews. What a job description that one must have.
I wish I could pick no stars...they financed our car OK great..told my husband to take a loan to fix our credit..OK did that. Being military I lost my job during a pcs move so I held off on the loan and only made car payments But I guess the bank can decide where my payment went. They only put it on the loan So one morning 0400 some one knocked on my door and took my car. The bank after Talking to me for 2 years about accounts that were only in my husbands name finally Said nope we can't talk to you sorry, but they did for 2 years? They would help me they wouldn't do anything I sent them a poa that was done in military attorneys office stamped sealed the whole 9 yards , and the lady Amy Stevens said his signature didn't match..so they still wouldnt talk to me.what a way to treat a customer of 9 years a family a militray soldier. This bank and the people stand for nothing in my mind . Soldiers stay away from this bank
Applied and got approved for my car loan on August 20, 2012 and purchased a vehicle that day from a great car dealer in San Diego. It is now September 10, 1012 and that dealer has not been funded from Service Credit Union, we have faxed all required documents now approximately (10) times now, have spend several hours on hold and several hours talking to Service Credit Union about this, thank god the dealer has been cool, but are getting very frustated also, they need to get paid. Will never use this credit union again.
Very Poor Service. We Purchased a Car with a Loan through Service Credit Union on 8/20/2012, the date today is 9/10/2012 and the dealer that we purchased the vehicle from has not been funded yet, the dealer has done everything correctly, but Service Credit Union will not pay the dealer, I would never use Service Credit Union again for a loan, this is really bad, the dealer has been very nice so far, but they even said they might need the car back soon.
Bank itself is marginal in terms of rates and fees they charge. Their website on the other hand is like a bank's website from the mid 90's... Very basic and no new features for military stationed overseas. Don't count on getting wired up via your mobile devices or having the capability to make payments and transfers via flash or java interfaces...you have to spend minutes actually typing in account numbers and the other information. Takes me forever to pay my bills online...super annoying.
My husband and I opened an account at Service Credit Union two years ago. We were required to make a deposit of $5.00. We had anticipated opening a CD there, but changed our minds afterwards, and left the account open just in case we wanted to open a CD later on. We were told at the time that we must make at least one transaction every five years. Two years later, we received a letter from Service Credit Union, warning that an inactivity fee of $50 would be charged unless we made a deposit to our account within a couple of months. This $50 fee would be charged every time we went one year without a transaction, and if we went five years the fee would be $100.
But buyer beware. If it's too good to be true, well then it usually is. Got a great rate, however, never told I had to direct deposit my "entire payroll check", and was not told there was a $39/month fee for Life and Disability insurance. I have never heard of such a fee for insurance, particularly when I already have this type of coverage thru my employment and a full auto insurance policy. If this is typical of Service Credit Unions practices, I am truly sorry for all the military people being misinformed and charged these riduculous charges. Non profit, yea right. Picking up where BOA left off. I'm outta there. I will be checking with the NH State Banking commission on these practices.
I joined this credit union in 2006 because we (USARMY servicemembers) stationed overseas dont have much choices, they charged us fees for everything, now they have an scheme that they pay for your bills for a minimum fee even if you dont have money. Even I agreed to that, look to me like they profited a lot with that type of help, after hundreds of dollars in fees, for balances checks in ATM's, transfers between accounts fees, transactions fees, international withdrawal fees, overdrafts fees...etc, I still dont see how non profit and military friendly they are.
finally I refinanced my car loan with them and changed to USAA, so they can't stop profiting with my money
i joined this credit union as a teen and have remained a customer for the past 18 years. I love this bank as all the services are free and they offer lots of great promotions at different times. The tellers are super friendly and recognize you by name when you come in. Rates are fair in this economy and banking is seamless. New perks like online deposits are great! I am a very happy customer and plan on staying with them for a long time.
I have been a member of Service Credit Union since I became an adult 15 years ago. Since the 1990s I have been nothing but thrilled with this bank. Their fees are minimal. I don’t pay any type of checking account or savings account fees at all and I have free use of all SCU ATMs. If I use another ATM, I do pay a $2.00 fee which is minimal as I rarely have the need to do that. I have been very happy with my debit card and have had very few issues other than forgetting my PIN. Any time I have visited a branch the tellers have been very warm and welcoming. Most of them seem to recognize you after a few times of going there. I have also called to inquire at various times about services and the phone number always allows you to reach a person who can help. Internet banking is smooth. I am a very satisfied customer!