| 5 star: | (7) | |
| 4 star: | (1) | |
| 3 star: | (5) | |
| 2 star: | (7) | |
| 1 star: | (18) |
Is this correct? In order to get cd rate you have to open a checking account? It doesn't mention it on here but it does on the bank site when you initiate an acct opening. Is this correct?
I've been with them for years. Customer service by phone has been good. But the rates used to be much better. Now I'd say they're average.
USAlliance Financial CU is the worst when it comes to Customer service. Employees/Agents are extremely rude and non-caring. Buyer beware when it comes to auto financing! They will repo your car even if you are only two weeks late on the payment!
Whatever you do, avoid doing any type of business with these people. Refinancing with them was the worst financial decision I have ever made. The level of incompetence in every department you get transferred to is appalling. Whoever is running this place should do a complete overhaul because your “customer service” is embarrassing. You would get better service at your local ghetto Walmart.
I am a member a numerous credit unions throughout the US. USAlliance has always been helpful and friendly when dealing with staff. CD rates and HYS accounts rates are always paying at the top end. They make it easy to move money to other banking institutions when needed. I recently received and email informing me that 2 CDs are maturing next month and it provided me with the options on what to do with the funds. I trust them!
I refinanced my car loan a couple of years back and got a great rate. I started law school this year, and money is (obviously) tight. Nevertheless, I always make my payments on time. This month, I had to make my payment using a separate checking account because that’s where my measly legal intern check was deposited to. Despite making my payment on the date due, I received a notice that I was being charged not one, but two $35 fees.
After being on hold for 25 minutes and being told that my payment “never posted” (it did), I had to email someone who eventually told me that these weren’t late fees, but fees for returning insufficient funds to my bank account… I’m sorry, but you’re getting your payment on the day it is due, regardless of which account it’s posted from. To charge a customer almost $100 for this reason is predatory to me. Disgusting
No live human support. Support email is a bot. Avoid like the plague.
The people are useless. They were to mail me a monthly check & the check never got to me. I asked them not to mail checks, & allow me to ACH my interest out. THAT DIDN'T HAPPEN! I spent ONE HOUR on the phone talking to several people, all of whom were CLUELESS!. I might have spoken to the wall for that hour!
Their phone system asks for our Member number when you call in, & it has told me for months that my Member number was no good, despite the fact that they said they would fix this pain in the butt problem and NEVER did. They don't train their "customer service" people who answer the phone. They are clueless. As long as a live, breathing body is on the phone, they will take phone calls & be TOTALLY inept. What a waste of time.
8/2/2023 - the new website is a mess, my POD's are missing, the form button did nothing...it's a hot mess....the chat button did nothing, so couldn't get on chat. I tried chat on the landing page...that worked, and then I was on "chat hold" for 30 minutes and never got thru. I also called...after a 40 minute hold time, gave up.
I'm just curious, how long a reasonable person should be willing to be on hold, and if there are any ways to make it so this doesn't happen.
I like US Alliance in general, but my frustration levels rise when it's literally impossible to get through to a CSR>
I wish I could post screen shots from my chats with customer service. After 5 chats and no resolution, I was still promised a call back! They basically hijack your money and make you pay to get it; either by totally inconveinencing you with a drive to a location or pay fees to get your own money out in a resonable time. I did a external transfer that took 7 whole days. Then did a wire transfer that I had to pay $35 for, which never went through. The customer service agents were worthless and had an attitude. I would not suggest using USAlliance unless you want to be in a ransome situation to get your own money!
Fire Brianna your customer service rep!!!!
I called and waited for a callback after 1hr. When I receive the call back she had a straight attitude . I politely asked her to do an external transfer. She just put me back in the waiting main menu to wait again. This happened 7/24/2023 at 7:40pm Eastern Time
Had a chat with Kimberly the Sr. Member services person after my online application asked me to reach out to them. She was absolutely rude and racism — she said “ I won’t be opening an account for you people “ .. not sure where that came from but for .5 % apr more , I ain’t giving up my dignity !
Such a disgusting human ‘
Have had numerous CDs with them for many years. I've had a problem now and then but have with other banks too. I've always spoken to friendly, helpful CSR's and gotten things resolved. Just sorry their rates have dropped so much now.
i have been a member for all most a year and i have over a 700 score on all 3 credit bureaus , i applied for a lesser card and i was denied
Called to close account (balance $149) and asked to mail check. Rep said they will not mail check unless over $250. They "keep the funds." Politely objected. Rep consulted manager. Told to stop by branch. Unfortunately nearest branch 2700 miles away. Manager consulted again. Told could do co-op shared branch. Drove 20 miles today to nearest shared branch CU to withdraw funds.
Terrible, terrible customer service. Each time you email and reply, it goes to a different CSR, who responds with a boiler plate copy-paste without reading your inquiry. It's pretty maddening. Their tech is awfully out of date, once I had to send a document via email to the personal address of the CSR after their servers failed to receive 10+ email attempts, and of course the web upload portal didn't work either. It's been a month and I haven't even managed to open an account yet, but nothing I've seen so far makes me think that they would be able to look after your money in the face of even the slightest tech-based malicious attempt.
Generally have very competitive rates on CDs. If you decide you need to get your money out before maturity date, beware that penalties are 6 months interest for CDs 12 months or less and 12 months interest for CDs 18 months or longer...ouch!
$10 fee for sending you your money back by check and count on slow processing of that return check!
What a joke I miss the renewal and it automatically renewed at .6% and then even if I pay over $600 penalty, they are going to charge me a service fee no matter how I remove my money. won't even send me a check for free.
Talk about insult to injury I can't believe this is a Federal Credit Union that is supposed to care about its members
Stiff EWP
If your Certificate Account has an original maturity date of less than 18 months the early withdrawal penalty will equal 180 days dividends on the amount withdrawn.
• If your Certificate Account has an original maturity date of 18 months or longer, the penalty amount will equal 360 days of dividends on the amount withdrawn.
IRA CDs
They do not have an IRA savings or money market account so there is no place to park your money when the CD matures.
Quick, easy, and great rate exactly what I needed with my CD.
My local Bank sent a certified bank check to pay-off auto loan with US Alliance FCU. 14 days later, they put title in US Mail to me, with no Tracking #. - which was recvd almost 30 days from actual pay-off date per Credit report Paid-off loan date). In the meantime, I was repeatedly lied to by their Customer Support -- 3 different dates given as to when the title was mailed. I worked at Bank of America for 27 years - we never mailed out paid off Auto title or mortgage without a Tracking #.
BEWARE!! SLOPPY, procedures and staff. This bank does not value your investment or seemingly any future business from you.
I have decided to go with another institution for our banking.
Applied for a small loan with good credit and plenty of income, any other bank would have easily approved it. Suspiciously they said they would mail me a reason for denial and I never received a letter. Never received any response after multiple emails after the fact. I honestly believe they discriminated against me based on my name(not actually Joe) and my address. Very poor customer service, take your business elsewhere.
Applied for a certificate and was denied due to a lock I have on my credit report as a result of past fraud. Instead of contacting me to let me know there was an issue, they just denied it with no communication. By the time I inquired as to why it was taking so long, their favorable CD rates had expired. Very poor customer service.
Opened a couple CDs over the past week and was pleasantly surprised how smooth the process went. Both times I called customer service was very knowledge and quickly walked me through the process and answered all my questions. All it took was two days from opening to being ACH funded. That's not how it always goes in my experience so they earn a gold star in my book.
I've been with USAlliance for over 30 years without a complaint until this past year. I've had two issues recently for what I thought, were simple administrative problems. Getting a new bank card to replace my expiring card and trying to activate electronic funds transfer for my accounts. The first was finally resolved after weeks of hassles on the phone. The second has not been resolved after weeks of hassle on the phone. They have offered no apologies and no explanations for their poor service. Beware!
While they might offer decent rates on their accounts and credit cards, as Ken correctly points out their capitalization is dismal at best. Therefore if you do bring your business here do not exceed NCUA insurance limits.
In terms of their credit card, their cash back rate might be good, BUT, your ability to use the card will be severely limited. While their policy clearly states "The Credit Union may delay replenishing Your credit limit until the date the payment is posted or the Credit Union confirms the payment has cleared," the REALITY is according to supervisors I have spoken with at cardmember services and the credit union, "Our policy is that we will delay replenishing Your credit limit until 7-10 business days after payment is POSTED."
Be prepared to jump through major hurdles if you attempt to redeem for cash back. You MUST first open a USAlliance checking account. Even if you are a current credit union member, that process will require your application to be processed as a new member. Then according to the website CUREWARDS it will take 10 business days.
In terms of redeeming for travel, read the yelp reviews on their travel provider and get ready to roll the dice.
Another case of when it seems to good to be true....it probably is not.
I have a few products with them, their Visa Sig flat rate 3% credit card (rate declines at end of 2022) and some CD/IRA CD, with very competitive rates. But....
Because of the rates, I moved some money from a maturing IRA CD at another institution (the excellent Evansville Teachers) to USAlliance. I did this the safest way, trustee to trustee, a cashiers check goes directly from ETFCU to USAlliance. A few days later, the IRA CD is opened in USAlliance. Today I get a message that the check has been returned as duplicate presentation, and they removed the money from the CD, and said they will also charge a $35 fee.
Now as they were the only ones with the cashier's check, a duplicate presentation is probably their action. Eventually I got them to agree that they had indeed presented it twice on different days, causing the duplicate error. OK, fine (well not really but...) but put the money back! It would have been fine had they credited the account twice and removed one, but they only credited once and removed once, so I am currently out the tens of thousands in the check. But they will research it and get back to me. I said that they didn't seem to need time to remove the money, but ... no sense of urgency at all.
I called ETFCU and they were helpful, confirming the check was sent and that it was presented twice by USAlliance, the first time the funds were there and the second was caught as a duplicate.
So my lesson, known by lots here, is that chasing the higher rates isn't always a good idea.
The problem here is that until now, USAlliance has been pretty good for me. But no more IRA money to them
I've been with USAlliance for 50 years. My father (an IBMer) opened an account for me when I was 13. Their mortgage rates are reasonable. I got a classic credit card from them at 10% ! You can't beat that. And my credit rating is nothing great - very average. The customer service is great as long as you call during business hours. Thier fraud department is excellent. My elderly mom got scammed by phone scammers and USAlliances fraud dept. saved the day ! If you apply for a mortgage ask for an older experienced rep as the younger ones can be insensitive and innattentive.
I've only one complaint about the on-line website - the logout button needs to be MUCH BIGGER !
" Even if you are just interested in becoming a depositor member and not utilizing any of the great loans that we have here at USAlliance, yes, a hard credit pull must be run." PROMPT response after business hours the same day within 2 hours to my query. Good for responsive service, not for applicants. There ARE credit unions not whacking would-be depositors this way. Procedure is not any law or regulation.
Hard pull hazard is becoming omnipresent, for NO CLEAR REASON other than supercaution. It dings your credit score and prevents many credit cards with bonuses from being added to your financial life. Financial troublemakers can likely be screened out from a soft pull, or from further/later running hard pull on doubtful cases.
I've been with them for many years. Great cd rates often, and they make it easy to open (or close) with friendly service on the phone, or online. I used to complain about getting money out when the cd matured until I realized I could open a free checking account. Now when I close a cd I have the money transferred to my checking. Write myself a check and the money is in my hands immediately!
Great bank especially when the have CD specials. Always helpful, polite and friendly service. Always seem to beat everyone’s. Visa promotion is really good also
If you open a CD and can't go to a branch, there is (as of now) a $10.00 fee to have a check mailed to you at maturity. No, they don't offer ACH. I had a few CD's mature this month and they waived the fee but I have a few more due to mature which were opened BEFORE the fee was in force. Had I known they were going to enact this fee AFTER the CD's were opened, I wouldn't have put my money with them. It's one thing to have a certain fee but another if they change the fees DURING the term of the CD. I opened another CD recently and went with another bank that offered ACH free at maturity. The interest rate was the same but the fee is why I didn't go with Usalliance.
I applied for a skip a payment over a week ago. Got the confirmation email and nothing else. The payment date came and they took the automatic withdrawal out and didn't skip. I called customer service and was told Oops we don't know what happened. We're just so busy. You can pay $50 and skip next month's payment. Im injured from work fighting workers comp and took a settlement. Im unemployed now due to settlement and they just said oops. Our mistake. We can't do anything to correct our mistake but if you ever have a problem call customer service and we'll go above and beyond!! Ha ha. You can't even do your jobs correctly or handle your mistakes but you will go above and beyond??? Get real! Avoid this place of you can!!