Service Credit UnionReviews of servicecu.org

I’ve had a car loan with Service Credit Union since last year. I was overseas when I purchased the car in March, and the dealership held the vehicle until I returned stateside, taking delivery in early July. Since then, I’ve encountered issues with an insurance verification requirement and CPI adjustments on my loan.After a few months, an insurance-related charge (CPI) appeared on my account. When I tried to resolve it, I was told I hadn’t provided proof of insurance.I contacted my insurance provider and provided the binding insurance documents .Once the documents were received, Service Credit Union partially reversed the charge, but required proof of insurance from the purchase date through the pickup date at the dealership, dates that spanned overseas and several administrative steps.As a service member stationed overseas, I expected smoother handling and clear guidance on documentation timelines. I’m concerned about how similar situations could affect others in similar circumstances. If you’re considering Service Credit Union for a loan or auto financing, I recommend: - Confirming how proof of insurance should be provided, and whether there’s flexibility for deployed members. - Requesting written confirmation of any charges (like CPI) and the reasons behind them. - Asking about a dedicated member service contact for international or deployed members to streamline communication. This review reflects my personal experience and aims to encourage improvements that would benefit all members, especially service members and overseas customers. If you’ve had a different experience, I’d be glad to hear about it and adjust the feedback accordingly.

I have been with them for 10+ years, getting worse and worse. Poor customer service, a lot of rainbow flag type decorations. They were just handing out chapsticks in a bucket on the counter for customers to grab. #1 ingredient is a petroleum product, imagine your kid putting that oil on their skin and it going directly into their blood stream. Company is irresponsible.

SCU was there for me in the past. Not sure what happened…. new management perhaps.

At the end of 2025, Service Federal Credit Union, upgraded their systems to a new platform. The platform itself is more user friendly for account management, the catch is the new bill pay provider is absolute rubbish! I have been trying to get all payments re-organized, as I had most bills being recieved and paid from the portal and all of those services were lost. The new portal makes it impossible for the few providers that will link to keep a connection to receive bills each month to manage them and pay ontime. If your payment has to go out by check it takes two weeks for them to be recieved by the payer which has been a problem. Before the downgrade in bill payment systems, i would have given the 5+ stars. NICE JOB SERVICE CREDIT UNION, now I am considering moving my accounts after 15 years.

I would give it zero stars if I could I tried to set up an account maybe end of November the link wasn't working so it took weeks to make the account I talked to a CS representative and they helped me set it up I did a deposit the deposit never went to the account I called and the rep made it seem like she was helping out me on hold closed the account

I am overseas and been with SCU for 8 years. The last six months, my card keeps getting fraud alerts for no reason, and multiple times per month. I’m constantly having to call this bank, wait forever to get the fraud alert lifted. Right now, I’m traveling in Italy, lost my card and have no cash on me. After 8 phone calls today (a few of them just trying to navigate their ridiculous automated system), 3.5 hours on the phone with customer service, and waiting three hours for a digital card to put on Apple Pay so I can at least eat, the card still declined because of another bogus fraud alert. Then I had to spend another 44 minutes trying to be helped before I was finally able to use the digital card. I hate this credit union. I feel like access to MY money is getting more and more difficult here. As soon as I return, I’m closing all my accounts. I’ve had enough. Beware.

The worst place to put your trust in EVER!! I was hacked twice in less than two weeks and SCU paid one of the four bogus purchases. The other three were not paid by SCU because they say I must show verification to them that I did not make those purchases on my Amazon account. I contacted both Amazon and SCU the moment I found the fraud, and closed the Amazon right away after the second attempt. Amazon will not sent info to SCU because they are not on my account. So I am left to eat my losses, even though SCU is protected, I am not, so beware, If you ever have bogus purchases anywhere, rest assured, you will be treated like you are the criminal. I am 81 yrs old, and never been as insulted as I am over this! I now am with a new bank! FYI thwy were supposed to put the money back in my account right away, but instead are holding on to it against my will. All I can say is SCU are the real crooks! David Araujo President of SCU. Maybe you should look into the shady practices of the people who work for you! Toni Gee

They changed the location of where I opened an account. It was the same place for 2 decades, now they changed it. WTH They kick you offline even when activly using the website. You would think I am making this up, but I can't. They will have you verify mulitple times for the same thing, at least 4 times on average. I hate this bank