Windward Community Federal Credit Union

I’ve been coming to this credit union for a couple years and they’ve always been very friendly and courteous. The reason I’m writing this review is because of my gratitude to WCFCU helped me rebuild my credit score.
I ended up with no credit card for about two years thanks to college spending. My financial record was spotless after graduation: no personal loans, no student debt, not even a late phone bill. Still, banks wouldn’t issue me credit. I couldn’t even get a department store card. That’s how bad my score was.
Once I landed steady work, I applied for WCFCU’s secured card. It was no-​frills, had a bearable APR, and required a cash deposit for collateral. I deposited $ 330 into an account: $ 300 for my actual line of credit and an extra 10% for cushion. (Note: That money is returned if I cancel this card.)
This was my second chance. With this credit card, the only thing I charge are my monthly bills: Netflix, Verizon, my local newspaper. My bill is the exact same amount every month and it’s paid in full each time. At first, it wasn’t a big deal. About six months after getting the secured card, I started getting junk mail from Capital One. In my head, that meant they wanted me back as a customer.
If it wasn’t for this credit union, I might still not have a line of credit. I might never have learned how many ways good credit impacts your life or to achieve it. I am unspeakably grateful to this credit union for the second chance it gave me to build good credit while still young.
MAHALO!

They do not offer 24 hour customer service, which all banks and most credit unions offer these days. Why is this a problem? Twice in the last 4 – 6 weeks I had a problem with my card where the magnetic stripe didn’t work or my card got blocked for security reasons. Since both times this happened on a Saturday afternoon, I did not have access to any of my funds until Monday morning. Saturday and Sunday are the only days I have available for weekly food shopping. Since there was no one I could call and speak to about this problem, I was stuck with no money and no food for the weekend. The one star is to acknowledge that the staff seem friendly enough and as helpful as they can be.

Wow, walked in and asked a teller a simple question and got the stink eye and a rude tone in her answer! I believe her name was HAWLEE, or some other strange spelling. I guess they do not want any new members because I will definitely NEVER bank here! *To their credit, the other staff members seemed friendly, but it just takes one bad apple to ruin the entire bunch!

Friendly staff and service

Great friendly service and they offer a variety of services that can suit all of your banking needs.