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What has your experience been with a credit union? (lemm.ee)

submitted 3 months ago by [email protected] to c/[email protected]

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I like the idea of a less profit-driven business that is maybe more community-focused but I wonder if they have the same capability as a bank? Have you been able to do your banking needs at a credit union? Was the customer service decent?

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[–] [email protected] 4 points 3 months ago

I love the two I've been with since the early oughts. One is state employee, the other a federal one.

I mostly use the federal for everything, but keep an account at the state one for a few things here and there.

Never have any issues worth noticing, though ATM availability without fees was a hassle in the past. Just weren't that many available back then, but that's changed.

Could complain about their apps being pretty bad, but that's every bank app I've seen or heard about.

Never have any delays in transfers, no crazy fees, excellent interest rates for credit and savings/checking.

I've also never had anything even remotely bad with customer service. Tbh, there's so few issues that I could take one shoe off to count how many times I've needed that kind of thing. I'd have toes left over.

My best friend, his husband, a friend of ours, my wife, dad, and sister all use one or the other of those two, and zero issues, so it isn't just me being charming af and/or lucky.