In 1935, originally named U.S. Department of State Employees Federal Credit Union, State Department Federal Credit Union was chartered by the efforts of eight employees of the United States Department of State. Now, over 83 years later, their membership has increased to more than 84,000 members worldwide. Not only has their membership grown, but... show more
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State Department Federal Credit Union Reviews
5
45%
4
3%
3
3%
2
10%
1
38%
3.1
29 reviews
29 reviews
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State Department Federal Credit Union
philpeters02 @philpeters02
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1 Star Rating
This bank might as well be operating for d mob, given that they are taking advantage of customers in an unacceptable way. I am due to pay nearly 9,000 dollars in interest because their member service incorrectly advised, "You don't need to make payments for 3 months," after a 36,500 dollar payment. I'm eager to refinance and leave this dishonest bank behind.
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Product: State Department Federal Credit Union Home Equity
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State Department Federal Credit Union
Alexander Salkever @alex_salkever
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1 Star Rating
I have been a customer for over 10 years. In the past few months, their anti-fraud system has become so aggressive that the card is unusable. Charges that I approved two and three times continue to be rejected by their system. When you contact them to try to troubleshoot, they say they will get back to you and never do. Avoid this company at all costs.
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Product: State Department Federal Credit Union Credit Cards
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State Department Federal Credit Union
2danielanderson @2danielanderson
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2 Star Rating
SDFCU offers the best credit card deal in the market: 2% cash back on everything with no maximums, no foreign transaction fee, and no annual fee. However, it comes with drawbacks: 1. Unpredictable card declines; 2. When my card was fraudulently used out of state, it required numerous calls and emails to finally resolve; 3. A limit on the number of times per month you can pay off your card. This third point is particularly baffling because all I want to do is pay my bill, and they prevent me due to a recently undisclosed maximum number of monthly payments. I can't tolerate this any longer and will either use them as a backup card or discontinue their services. Regarding customer service and security, they receive zero stars from me.
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Product: State Department Federal Credit Union Credit Cards
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State Department Federal Credit Union
eddavis317 @eddavis317
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2 Star Rating
Verified Customer
Lack of protection from unscrupulous merchants. Rented a car from Fox Car Rental in Ft. Lauderdale on December 23. Car had to be returned in one day as it was defective. Our return flight was cancelled by Southwest Airlines and no alternative flights were available from the same airport. We proceeded to the next airport, Palm Beach International, where we found a flight home with American Airlines. We were not only charged an exorbitant dropoff fee by Fox but they tacked on two days to the rental despite turning in the car on time. We disputed the charges with SDFU Visa which sided with Fox.
I would give this Credit Union no stars if the system allowed. They charge for inactivity in the account ($50 a month) - and then when you try to close the account - they draw out the confirmation process to get an additional $50. After they took hundreds from the account, the didn't have the decency to reach out.
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Product: State Department Federal Credit Union Savings
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State Department Federal Credit Union
Patrick Hodgson @pweh_chambers
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5 Star Rating
Verified Customer
Great experience, customer service is good, great APR. Been a customer for two years, can't complain. Will always stay with this bank, nothing but great service.
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Product: State Department Federal Credit Union Credit Cards
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State Department Federal Credit Union
christine @cmohn967
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5 Star Rating
Verified Customer
Great Credit Union Catd. Good rates easy app easy to join. Very nice and helpful people to work with to help you reach your goals.
STAY AWAY FROM THIS BUSINESS! THEY WILL RUIN YOUR CREDIT AND CLAIM TO NOT RECEIVE YOUR PMT TO DOUBLE DIP MONEY LATE FEES, PENALTIES AND A 24.99% interest.
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Product: State Department Federal Credit Union Personal Loans
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State Department Federal Credit Union
Tiffany Tyree @ttyree88
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1 Star Rating
This is the worst credit union. They are very unprofessional. They don’t disclose important information. They lie about things, blame other departments, and will transfer you back and forth amongst different departments. It takes forever to resolve issues, most of the time you won’t receive a call back from a “specialist”
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Product: State Department Federal Credit Union Checking
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State Department Federal Credit Union
Richard Pergolizzi @rpergolizzi
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1 Star Rating
I'd give them zero stars if I could! I have an existing auto loan with them thats almost paid off and has been paid each month on time for over three years. I applied for another auto loan and after over a week of asking for various documents to be uploaded they mis interpreted my income and said my debt to income ratio was too high! I told them that they didn't have the correct monthly income and sent more supporting documents. The loan officer was supposed to call me back and never did. Chased them down with numerous phone calls and then the telephone operator tells me it was declined, no call, no explanation. I wont be using this financial institution again!!
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Product: State Department Federal Credit Union Car Loans
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State Department Federal Credit Union
pweh_chambers @pweh_chambers
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5 Star Rating
Great credit union I am overseas these 2 years and I have nothing but great words for SDFCU, customer services is great. The ease of doing things digital is a very great experience. One thing though call center needs to be given more information on customer account weekend the level of the great customer service goes down.
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Product: State Department Federal Credit Union Checking
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State Department Federal Credit Union
Willie @billybreitling
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2 Star Rating
Verified Customer
SDFCU Their CC branch is good, but don't borrow money from them unless you have a checking account there. I borrowed $30000 a month ago and they are making me wire transfer it instead of just putting it in my outside checking account. In the month I have had this loan, I haven't manage to actually get the money. Limited to $5000/ day and wire transfer takes 3-5 days each. They actually told me that the loan contract doesn't obligate them to put the money in an account I can access! Read the fine print and stay away from SDFCU
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Product: State Department Federal Credit Union Credit Cards
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james4shante_1 @james4shante_1
What credit score range do I need to get this loan... ?
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State Department Federal Credit Union
Angelo @angelop_1
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5 Star Rating
Verified Customer
Great company!! Everything is super easy to handle through app. Checking status, making payments. Just the whole buying experience has been great.
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Product: State Department Federal Credit Union Car Loans
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State Department Federal Credit Union
Max M @score
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1 Star Rating
I applied for the Secured Card, they did a hard pull even though I was securing the account with 10,000 cash and planned on securing another 10,000 in the next month. I used to have a credit score over 800 and then medical issues caused me to file for a medical bankruptcy in 2015. I paid off three vehicles with no late payments and have never made a late payment on my mortgage. I was willing to lay down cash for a high balance secured card to rebuild my credit, currently using my wife's cards, Credit utilization is less than 10%, and I pay them off every month. I just like to run everything through the card and just pay the card every two weeks. My credit score is 577 Experian and 684 for both Equifax and Transunion, monthly income is currently over 10k and they still turned me down after not allowing me to upload my documents 3x then telling me they could not verify my identity when they had my drivers licence, social security card, mortgage statement and latest paystub showing two weeks earnings at 5700.00 but they still turned me down for a card backed up with a cash security deposit because I have bad credit. That's kinda the purpose of getting a secured card - you think? Don't waste your time with them - very unprofessional...
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Product: State Department Federal Credit Union Credit Cards
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State Department Federal Credit Union
Beverly @beverlyh_50
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5 Star Rating
Verified Customer
I am extremely happy with this VISA credit card from SDFCU. I can still increase my credit limit, even though my card should graduate to unsecured by the end of year. I am very appreciative of 11.99% interest rate; even so, I pay my bill in full each month.
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Product: State Department Federal Credit Union Credit Cards
State Department Federal Credit Union Q&A(4 questions)
Get answers to your questions about State Department Federal Credit Union below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
You can check your State Department Federal Credit Union credit card application status online by providing your name and social security number or email address.
Another way to find out the status of your application is by calling (800) 296-8882 and following the prompts.
You can request a State Department Federal Credit Union credit limit increase by calling customer service at 1 703-706-5000. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income State Department Federal Credit Union has on file. State Department Federal Credit Union will be more likely to increase your credit limit if the revised income...
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