Patriots Federal Credit Union

Worst business I’ve ever had to deal with. I got a loan for a car and over payed by a good amount every month. I had some medical issues with my son that I had to prioritize over a lot of my bills. Every other bank I felt with was very understanding and willing to work with me, but patriots met me with sarcasm and verbal threats to repo the car after one week of being late. Not to mention I was the the one that called them to try and make an arrangement. I do not recommend this bank to anyone.

Patriots Federal Credit Union used to do mortgages — and unfortunate we have one with them. They change their billing/​accounting system so that they no longer mail out invoices to people who have them. Therefore, I have had late payments because I use to get an invoice and now I don’t. To solve the late payments -(and thus fees), it was suggest to me by Patriots that I sign up for automatic deduction — so I did. BIG MISTAKE — They deducted my mortgage TWICE in the same month. After hanging on hold for 15 minutes to get this corrected, I finally spoke to Dawn who told me she could not reverse it as she did not have the authority. She needed my phone number so a supervisor could call me back. When I asked how long it would take to get the money back in my account, she said it could take a couple of DAYS. So amazingly stupid. If I am late, I get a penalty. If they take MY money it take DAYS. They need to get their act together. So pissed. — Oh, just got off the phone with the Supervisor. He basically said «that is just how the ACH system works’ so there is nothing we can do.» We are fixing it so it won’t happen again. Gee thanks…
Don’t go there — not a very professional staff or service.

What is happening to Patriots FCU? First the Aliso Viejo branch closes. Then the Santa Ana branch reduces its hours. Are they in trouble financially?

My wife used PFCU to get a loan for her car 6 years ago. The loan worked out well but in order to get the loan, we had to open an account for savings a put a nominal amount of money into the account. Over the years, this nominal amount of money was never touched but slowly gained interest.
Recently, well after the car loan was paid off, we decided to close the account with the nominal amount of money in it. My wife called the credit union to remove the funds and was treated poorly on the phone by a customer service representative and she asked to speak to a supervisor. The supervisor, Keith Moore, also treated her poorly. And suddenly mentioned, that in fact the nominal amount of money in the account (maybe enough for a dinner), had been reduced to 3 dollars because of a pre-​defined fee schedule based on inactivity. His rude behavior and the companies basic theft of money, demonstrates their contempt for people who are their customers.
I strongly recommend that anyone consider any level of service from them remember this example of how a company will treat you when you aren’t important to them. Based on this, I think any alternative credit union or even large bank, will at least treat you with some level of honesty and consideration and should be selected over Patriots at any moment. Hopefully reviews like this, can teach companies that it is not okay for them to be inconsiderate.

I came from Chase. Bleh! Enough said. I left Chase when I noticed fees were racking up and explanations were in limited supply. I feel like Patriots is my personal bank, and they treat me like I’m family. Everyone at the Aliso branch knows me by name and they truly seem to care about my well being. They have been incredibly responsive to my needs and their approach to service is honesty. I have referred about 5 people here so far and all have been ecstatic. I encourage you to join the family too :)

I’ve been a member of this credit union for 4 years after closing my annoying wamu account. They always take good care of me and know many members by name. I do most of my transactions at either the Santa Ana, or the Tustin branch and everyone is always very helpful.
Great loan rates and club accounts
Refered members get a free $ 10
Person who refers $ 25. Anybody can join