Service Credit UnionReviews of servicecu.org

Overseas Service members beware: SCU absolutely GOUGES you (this is the PG version of what they do) on exchange rates. They take several % off the top for themselves every time you convert Dollars to Euro or vice versa - which can add up to **literally thousands** of dollars during a 3-year assignment in Europe. Of course, every financial institution takes a small percentage from currency exchanges, but with SCU it's SO much worse than normal. For example, if you spend 3000 Euro/month (rent, utilities, Euro ATM withdrawals) and SCU takes 2%, that's 60 Euro per month = 720 per year = 2160 Euro during a 3-year assignment! THE GOOD NEWS: Money transfer services/apps (e.g., Wise) let you pay all your Euro bills using the actual (direct) exchange rate, so Service members can keep their normal US bank, and are no longer stuck using SCU (nor the other popular bank for Service members).

Been charging me extra for "life insurance and disability insurance." For over 2 years... then after I spoke to someone to get get it cancelled they had told me it was good to go. I got charged the following month saying we can't cancel it without a signature on a document. Then the lady over the phone was very rude the entire time. Most unprofessional scam company of them all buyer's beware!!!! STAY AWAY

Absolute schmuck's. Raised my dirtbike loan 4% on April because they don't consider it a motorcycle. Motorcycle rates are 4% better? What a joke. Terrible customer service. Will never use again and neither should you. Lighthouse credit union is much better

I've used SCU for twenty years, they are stodgy, but lately, overseas CS? I'm in India, unable to access my stateside account. I have been on the phone, being vetted twice. I have been given a temp pw, but nope, the log-in wants to send me an OTP, but my phone does not have an international calling plan, so that's a no go. I've been here on the phone now for over 40 minutes, unable to access my account. I do like SCU, and my branch is local, but I cannot rely on it anymore due to inability to reach competent CS.

I have had too many poor interactions with SCU to count. Predatory fees, and practices. You have to pay a convenience fee to pay your loan payments, overdraft fees are straight out of a horror movie. I can't believe that I was taken such blatant advantage of as a young new soldier OCONUS. It's despicable. Whoever comes up with/allows this stuff, you better hope God has mercy.

I have been a customer with them since 2014. I am so sick of their horrible customer service workers, I got locked out of my account multiple times and they are slow in returning my access, I am stuck with them because I am active duty and they are the only ones at my base overseas. Truly a horrible credit union.

The credit union's banking fuction itself is adequate, nothing special. Please be aware that they will do anything to weasel out of paying new member referral bonuses. After the bonus period expired, they claimed I did not make enough direct deposits. As if I can control that? The customer service has always answered quickly but the marketing department left a sour taste in my mouth and I will be moving to another bank now.

A mediocre bank at best. They have terrible rates, but fair customer service. I’ve had multiple problems with account ownership with my wife being the primary account holder. When I voice the concerns, they were not helpful and problems still remain. I am looking for a new bank.