PSECU - Digital-First Banking with a Human TouchReviews of psecu.com

I wish I could give a negative rating number. Never in all my years have dealt with creditors have I had to deal with one that did everything in their power not to be paid or work with their customer. A relative bought a vehicle from a dealership last year and their loan was handled by PSECU. Until recently they had made their payments on time. They fell behind and being new to owning a financed vehicle were unaware they may have been options to help them. The vehicle was repossessed over a weekend and they contacted the credit union immediately the next business day. They advised the representative they had the payments that were in arrears in addition to the towing\storage fees. My relative was told no payment would be accepted until they submitted documentation as required by their policies. My relative found this odd as none was requested when PSECU gave them the loan but they complied and followed up later that day. They were told their documentation was insufficient and that the only way to get the vehicle back was to pay the loan in full. We spent the better part of two weeks trying to get this resolved; requesting to speak to managers or supervisors; requesting callback from management; and submitting additional documentation. All to no avail as we never heard back from any management and the documentation was again deemed unsatisfactory. Unable to get PSECU to accept the documentation submitted and reinstate the loan he will now be in default and the vehicle sold at auction. This credit union is nothing but scam and they care nothing about their customers. Avoid them like the plague unless you wish to be scammed out of your hard earned money.

I closed all of my accounts. I was a customer for 28 years with 18 years of continual employer deposits. I was a loyal customer until they started putting new ever changing endorsement policies in place. They reject every mobile deposit. Often these would be checks from my family in truly de minimus amounts like a $100 gift. They don't allow you to sign a check over to someone else despite the fact that endorsing checks make them negotiable. They made banking with them a true nightmare, treating long time customers like criminals. Never again.

An absolute joke of a credit union. Most other dealers I've spoke with as well, dislike them even more. Known as the "necessary evil" in the industry. Their programs need special calculators to avoid going out of their guidelines. Impossible to help customers with backend options as minor changes can tweak the rate in 4 different directions causing funding issues and recontacting. Highly encourage all dealers to avoid them

My husband and I both had a check posting error on our statements. Only part of the check number was showing. There have been frequent days where the system was unavailable due to "routine maintenance." Their switch to digital (and AI) is a failure.

This credit union is awful. Unless you have plenty of time to spend on the phone with them to dispute chronic and undue charges, i would strongly advise against choosing them as your lender. They have billed me for collateral insurance monthly, which is already on my insurance policy. Documentation was provided to them prior to my completed purchase, wednesday and I am on the phone with them.At least twice a month, continuing to provide the same documentation. I have yet to be refundered.Several hundreds of dollars in continue to receive the same notificatio that my policy is lacking collateral coverage. I will be refinancing my car as soon as possible.

My credit score is only around 650 with 76% utilization and they approved me for membership and a $2000 CC and a $10,000 personal loan when my other credit unions would not extend any credit except a $2000 quick loan. Their interest rates are low and I plan on using them as my main bank, including 2 direct deposits. Right now they have a $300 sign up bonus for new members. A SUB for their Visa too. Everything is online, they only have 1 physical store. I connected all my bank accounts and no problems transferring money or paying bills. When my credit report updates I hope to get my CC increased to the 20k max. Auto loan sometime in the future. I live in San Bernardino, CA.

In all of my life I have never experienced a company that actually makes it hard for their customers to pay their loans. One example, they only give you a partial account number. When trying to access your loan online, you need the account number. Without it, you are locked out and can only call in. Today for example I needed to speak with a specific department. "I'm sorry sir. No one is available." They make difficult for you to pay your loan! How utterly stupid. These people are extremely unreasonable. Don't finance with these losers. No wonder their Trustpilot rating is SO LOW! Wished that I had checked here first.

Do not use Pa. credit Union as they only make excuses and do not care about their customers. To make a long story short, I use a service that allows me to make two payments a month to the credit union for my car loan. This service which was recommended by the car dealership as supposedly they work side by side together with the credit union. Knock on wood, I have yet to miss a payment in 4.5 years and actually ahead of the game by 5 months. The company that send the credit union my monthly amount apparently stopped a payment on the check they send on my behalf. Now, the full amount was out of my account on the 27th of the month. This was a concern to me. I called the credit union and the company (Ethos) to explain my concern and why I was upset. Before the credit union even looked into the matter or called Ethos to see what was going on, they immediately sent me a receipt stating I owe them money for a stopped check. Remember, I do not pay with checks, it comes out of my bank account twice a month.( By the way paying twice a month will soar your credit score...just an fyi.) It was only 15 dollars but after speaking to a rep and I'm assuming a supervisor from the credit union, I realized they were not going to apologize as they felt they did nothing wrong. What you did wrong was send me a receipt saying I owe you 15 dollars. Now the Ethos company did pay the stop payment fee of 15 dollars. They were so UNPROFESSIONAL about the whole thing, never once addressing my concern just repeatedly stating it wasn't their problem, their fault, nothing. Shame on them. Credit Unions are usually great banks in all, but stay away from them. They only want your money and they don't care about their customers. It was so obvious! Next report, the BBB