Consumers Credit Union

Worst customer service in the financial world. Paid off a loan electronically, since that's the way we have made payments for three years. My bank sent another payment, and I called and asked to have it returned. It started there and has only gotten worse. I feel like all I've received is a runaround, and that is mostly from a so-called manager. Please do yourself a favor and find a bank that is willing to help when problems occur. This is definitely not the place. Retired, on a fixed income, and having the amount not being returned is a great burden. Consumers Credit Union should be a bank that joins the "Do Not Patronize" list.

They gave me a relatively good rate on an amortized loan. When I asked them if an overpayment would go to the principal directly, they repeatedly told me yes. It turns out, overpayments would just be applied toward the next normal payment. I figured out that they were in fact NOT applying the overpayments to the principal when my "next due date" was several months out, instead of the next month. I had to open a separate checking account with them, transfer money directly to the checking, and then pay off the loan from that account while specifying "principal only" for overpayments to apply to the principal. This is extremely dishonest, as paying down the principal early lowers the amount of required interest on an amortized loan. I will pay off my car and never use this bank again.

I have been a member for over 20 years and have witnessed their growth and expansion. Recently, while I was working abroad, I encountered an issue with an increased interest rate on my credit card, which raised my minimum monthly payment. It's challenging to access many bank websites due to security measures when traveling overseas. Upon returning to the States, I visited one of the local branches to make my payment. The virtual teller announced loudly on the lobby screen, 'Thank you for the payment, but you are still behind hundreds of dollars.' I was offended by this. I told her that I had not requested this information and that it should not be disclosed publicly in the lobby where others were waiting. She could have asked me to take a seat and informed me that a representative would assist me with my account issues.

My car was totally September 3 how is it a late payment in yall jus got 2 checks we wasn’t sure what they was going to do with the vehicle

Consumers Credit Union gave me a chance to prove myself to re-establish credit after a bad divorce/mortgage default when no one else would. No one would even offer me a secured credit card. CCU not only gave me the credit card but didn’t require it to be secured and gave me a higher credit limit than I thought they would because “we don’t offer cards with that little.” I was only asking for $500. They gave me $1500 to start. Every year they have increased my credit limit without me asking. I have never had a problem with this institution and now have my mortgage with them. (Another 5 star review.)

The best CU ever! Zero down loan with no PMI! Better than the USDA or VA loans. We will refinance with them in a few years when these crazy interest rates drop back down.

Froze my accounts and couldn’t access money. Truck on E and needed money to put gas in vehicle to get home in 90 degree weather. They didn’t care. We’re rude and not willing to come up with a solution. Been banking with them for almost 20 years. I can’t trust them. Moving over $100,000 in business from them and had my brother go with Advia for his truck loan today over them. I won’t stop with that. Use to be a decent credit union. Treat people poorly your business will suffer.

I am finally leaving after twenty+ years of bad experiences. The two recent ones: the would not cash my ten-year old Birthday check with us spending money and opening an account, and they will not allow us internet access to one of our daughter's account because they consider her a joint member and not a custodial member (like ever other bank). I am also beyond frustrated that they did not answer some of the questions I asked.

Consumers credit union is a good financial institute. They have lots of branches in Southwest Michigan and they offer competitive rates.

This review pertains to the credit union's mortgage department.

After working for the city of Detroit, I thought I had encountered the worst of the worst when it comes to shoddy business practices. I mean what other institution out there could be so brain challenged that rather than removing a dead bison from the exhibit (Detroit Zoo) that it had died on, would literally bury it in snow for three days while the zoo was open to the public out of sheer and utter incompetence? That question was finally laid to rest last week in the form of Consumers Credit Union.

After 57 days of going through the "process" complete with countless hoops and obstacles thrown up intermittently (and often repeatedly with the same data being asked for again and again due to incompetence), this institution decided to not only slice the mortgage offered by 40% but to then request even further information which if even needed should have been asked for up front (nearly perfect credit scores, solid income stream, literally 50% of value mortgage based on appraisal). Not only had we already paid for the appraisal but we were expecting the closing to occur imminently. Instead, all we received was the dour stench of rotten buffalo.

STEER CLEAR of this credit union. Consider Homestead Bank in Albion instead if you'd like to work with professionals.

BE CAREFUL who you trust to get a loan through for your home! Renee Ziska was more then happy to pull my credit when she thought it may result in a paycheck however when my score came in less than 620 she would not even return a TEXT!!! Thanks Renee for lowering my score and not even having the decency of reaching out to me OR even returning my text when I reached out to you several times!!! I feel like you and your credit union have hurt myself, my wife, and my children as well. Sorry if my working class credit score wasnt good enough to deserve the lowest amount of respect for a return call or text. Never been so disrespected in my life! PLEASE people think twice and check reviews before trusting your families well being with any financial institution!!!

After dealing with big banks for most of my life I decided to check out a credit union. I had heard many positive things about being with credit unions like no fees and better service, but I was kind of hesitant to switch banks basically because it was very inconvenient to do so. Well after some time and some problems from my old bank I decided I needed to switch. I went with Consumers Credit Union and I will never consider a big bank again. No fees, they treat you like a human being and just a joy to do business with.

I left a large bank a couple years ago and opened accounts with Consumers Credit Union. I have had nothing but positive experiences with Consumers. I commute ~150 miles a day to and from work, which means I get fuel frequently. I began getting fuel at a new gas station. All of a sudden, I got an overdraft notice on the account I use for work expenditures. Then 2 more. I went into the closest branch and talked to the teller. She was very friendly and told me that gas station had been pre-authorizing credit and debit cards for $100 and not returning the balance for 5 or so days. Wow, was I shocked! The teller reversed all of the overdraft charges and did so with a smile! My old bank would have never done that, or they would have made me regret asking. I didn't even have to ask at Consumers. They took this as an opportunity to give superb customer service. This is just one example of how friendly and professional Consumers is. When I go in with my kids, they always smile and talk to them as well. They treat them no different than the account holder. It is a very comfortable environment in which to bank. Their online system is excellent as well. I had never seen an online bill pay system as easy as theirs!

Consumers Credit Union was the credit union I went with after reading a bunch of online reviews. The sign up process was quick and easy and I was ready to go before my family was done eating lunch across the street. I have signed up online to manage my money from home. I also use the phone application. Makes for quick and easy bill pay.
They also had the best auto loan rates that I could find in the area which was a bonus for picking up a used Van for the family. I was able to set up a private savings account that I could transfer funds into and have the payments automatically withdrawn from that account.

So fast and easy to sign up. The people that work her are incredibly friendly and always willing to help. We had car problems, my husband has solid work history, but not so good credit. They worked with us to get the loan we needed for a new car! I always suggest them to EVERYONE looking for a bank! They are willing to work with you no matter what your situation may be. They will help resolve any problems, even if your account is overdrawn and it takes a day to get it fixed. I would never go to another bank again, and unless something drastic happened, we wouldn'€™t switch credit unions!