BCUReviews of bcu.org

I’m extremely disappointed with my experience with BCU Credit Union. I filed a dispute regarding a charge tied to a hotel stay that had serious issues, including concerns about mold that were publicly documented. Despite providing context and trying to explain the situation thoroughly, my claim was denied with little to no meaningful support. What makes this even more frustrating is that I’ve seen how other financial institutions handle situations like this with care, advocacy, and a genuine effort to protect their members. In my experience, another bank I’ve worked with in the past took the time to investigate thoroughly, communicate clearly, and actually support me through a dispute process. That level of service makes a huge difference, especially as a military spouse who deals with frequent moves and relies on financial institutions to act in good faith. Unfortunately, I did not feel that same level of support from BCU. The process felt dismissive, and the outcome did not reflect a customer-first approach. Based on this experience, I have closed my account and taking my business elsewhere. I truly hope BCU reevaluates how they handle member disputes in the future.

Terrible checking account. Almost all my online purchases are flagged for fraud and then never go through. You have to call in to do anything with your account and the technology is terrible on the banking account

tengo un préstamo de carro con BCU,Carro que fue perdida total pq me chocaron eso fue 12 de diciembre de 2025,hoy estamos a 19 de febrero de 2026 y ya no recuerdo la cantidad de llamadas para saber el estatus y todas fueron "estamos procesandolo y resulta q todo es mentira, he pagado un carro por 2 meses el cual no tengo,a eso súmele que hoy 19 me dicen q no saben a donde mandar la carta de garantía para que GEICO pueda pagar lo que debía y me reembolsen lo que me toca,entonces me mandan la carta a mi al parecer quieren q yo sea quien haga su trabajo en fin tengo tanta impotencia y pudiera decir tantas cosas tiene una estrella pq sino no me dejan hacer una reñena, es increíble que tengas a una persona trabajando y no sepa hacer por lo que lo contrataron en primer lugar. Ah pero paga 1 día tarde y veras como te reportan y te dañan tu credito

I've banked with credit unions for over 35 years and Baxter Credit Union is the polar opposite of what I expected. Credit Unions make their members feel like they are appreciated and tend to offer a more personal banking experience. BCU credit union is nothing like what I expected.

BCU pulled a classic bait-and-switch on my mortgage one day before closing. After weeks of proceeding under one ARM structure and rate, they changed the loan to a different ARM product at a higher rate, when I was already effectively locked in and out of alternatives. That alone destroyed any trust. I paid the loan off quickly just to be done with them—only to discover they assessed a late fee on a ONE-CENT balance. Yes, $0.01. To make it worse, their website is so poorly designed that it was not even possible to pay that balance online, which is how the “late” fee was triggered in the first place. Customer service is an absolute nightmare: Endless automated menus No clear escalation path No ownership or accountability You burn time just trying to talk to a human who can actually fix something This was not a one-off inconvenience—it was a pattern of poor systems, poor communication, and zero customer empathy. Between the last-minute loan change, nickel-and-diming over a penny, and unusable digital tools, BCU demonstrated that they are not equipped to handle mortgages professionally. I would strongly advise anyone considering a home loan to look elsewhere unless you enjoy surprises at closing and fighting automated phone trees over trivial balances.

My card got stolen over a week ago. Fraud dept was quick to contact me and I ordered a new credit card, and requested a rush order. I was told that the card would arrive in 3 business days. It did not. When I called about it today it seems that I was charged the $20 rush fee, but the card was sent via standard mail. After haggling with customer service they agreed to send me another one via “rush” order, so my waiting begins again. This is the second time this same problem has occurred with my personal card and it happened with my spouse and my joint card a few months ago. I am tired of the shoddy customer service. Really, really tired of it.

Its on the verge of lawyer time, you are refusing to take my payoff payment for my mortgage despite following all you hoops and hurdles. Every day I am calling in for hours at time trying to get you to fix your errors. As a 30 year member I AM DONE WITH YOU !

This was the worst experience of a bank ever. I've only had issues witht them. I was talking with them and each time I was told it was incorrect information each Representative told me. The only reason I used them was due to me working at target once I left the service was horrible take money whenever wanted to what account and let recurring charges continue to happen and with my overdraft at 1500.00 they let it got that high by also adding over draft charges each time. Wow no control over my accounts what so ever!! Plus money was deposited into my checking but they to9k my entire check towards my loan. How are people to pay bills with your institution controlling MY HARD EARNED MONEY! Wow how you trade peplo with there money as well as giving everything we as the people have.