Greater Iowa Credit Union

Duplicate charges for the same transaction

This Credit Union was suggested to me by the owner of a car dealership in Ames because of their good service and low rates.
They gave me a 9.975% interest rate on a $ 4,500 car loan. They quoted me a 9.5% rate, after claiming that that I had no credit score (I had a credit score of 730 on all 3 sites).
I was told they had easy phone and online bill pay. They neglected to tell me that you had to pay a $ 30 fee to pay it over the phone, and that online pay required you to set up an ‘external account’ and transfer money manually (this process took 3 weeks). They said they would send an email when it was set up, but by email they actually meant a message on their website in which they provide NO notification for (you’re just expected to click on ‘messages’ every day just in case).
They charged me a late fee on my first payment even though I paid it by phone the day it was due at 10:00am.
Their website is absolutely horrendous — very confusing, half the buttons don’t work, there is no notifications for anything, and the features do not work as described.
The customer service person (Nancy) is very unhelpful and not knowledgeable about loans, how websites work, and will only give you the canned ‘Sorry I can’t do anything about that’ response.
Never, ever consider this business for a loan.

I’m new to this credit union, so I’ll wait awhile before I give it a full review. So far it seems fine, and it’s convenient for me that they have a branch at the Conoco on Airport Road (that’s open different hours than the main branch, and on weekends). So far everyone has been very friendly and helpful.