Navy Federal Credit Union

Excellent member service experience at this branch. I went here to see if all the crying and whining down below was valid, and needless to say looks like I experienced the total opposite. I used to bank with USAA but their customer service has grown terrible and Navy Federal also gives me many more options world wide to Free ATMs and branches to bank at when i am overseas on duty. The staff is knowledgable and efficient, and compared to USAA and RBFCU they address you by military rank. I recently switched over my banking and lending needs because I feel no other credit union or bank can service active duty military better than NFCU. I also enjoy the fact that they happen to be the worlds largest credit union in assets and members.

I love this place. Some of their tellers are very slow, but very deliberate in making sure you get what you need so you are never short changed.
I am sorry there are only 3 branches in San Antonio, but luckily this one is on a bus stop for me, so I can get there easier if I have to. I also love the deposit by phone so I don’t even have to go into the branch after a hard work out day.

If you had asked me to review this place about 7 years ago I would have given them 5 stars. When I was stationed in DC there was a Navy Fed on the Navy Yard and it was very convenient. They had my checking, savings, credit card and even a vehicle loan with me and all was right with the world.
I got out of the Corps and came back to San Antonio before they had a Navy Fed here so I transferred to USAA and have been loving them ever since. Back in 2009 I lost my job. I called Navy Federal the next day because I had outstanding credit card debt that I did NOT want to default on. They seemed very nice and transferred me to a department that handles these types of situations.
I had to fill out a ton of paperwork and fax it all in. A few days later I was told that I was being put on a fixed payment plan for 12 months. The payments would mostly be interest only but it would keep me from defaulting on my card until I found another job.
After the third month of these fixed payments the robo calls started. The operator would answer, apologize and tell me that they saw I was on the fixed plan and the computer had called me incorrectly. By the 4^th month I noted I had been reported 30 days past due on my credit report. I called in and didnt get anywhere very fast but was assured it would be taken care of. I even paid about $ 300 to bring the account «current» even though I was on the fixed payment plan.
Three months later, same thing. Robo calls followed by a 30 day past due notice. I call in and I’m furious this time (BTW the original 30 day past due is still there at this point). They look in their magic computer of wisdom and tell me they have NO record of me being on fixed payments. I ask if they noted the 12 pre-​scheduled payments on my account which they said yes. I asked who scheduled them since I certainly didnt. No answer. Worse yet because of these self inflicted billing issues they closed my credit card account without my permission.
To this day they still have their two 30 day past due notices on my credit report. I have been told every excuse known to man including:
1) I was never on fixed payments
2) I wasn’t approved for that low of a payment and my payments were higher
3) That I was never approved for the program
4) That they had no record of any of my paperwork
And the list goes on and on. I’ve written three letters so far and they dont even have the dignity to answer them. I’ve completely given up on these guys because their disorganization, complete lack of professionalism and poor customer service have left two black marks on my credit report even when I PROACTIVELY set up a payment plan with them before I had ever missed a single payment.
I am about 30 days from paying off the final balance on the closed credit card account. Once I do that they’ll never hear from me again. Its a shame because the 2 car loans, mortgage and credit card that USAA got from me that all could have gone to them had they at least worked with me to rectify their mistakes.

It was a grand day. Car loan payments and any other item that ties me into a relationship with NFCU have been completed. I closed my account for good, popped my virtual bottle of champagne in the lobby and took a long and satisfying sip of redemption.
So long NFCU, so long.

Don’t pay attention to that one star. NFCU is a business and not a charity. If you can’t manage your money don’t blame the bank. Never get involved in any loan without knowing the ins and outs. I think NFCU is a great bank. They have always treated me fairly and with professionalism. This particular branch was pleasant to go to. The people were friendly and I deposited my money quick and was in and out in less than 5 minutes.

Finally, a no hassle credit union! I walked in here after having been to two other credit unions and leaving due to the not so wonderful service. After talking to a banker for a few minutes I decided this is where I wanted to open my new checking and saving accounts. The people were so friendly and patient, something quite unusual in banks nowadays. I was given most of the information and quickly opened my account that same day. I actually like that this is a smaller branch because I don’t feel overwhelmed. A major negative is that you can’t use their debit cards to get cash back. I wasn’t told this initially which causes somewhat of an inconvenience as they don’t have many ATMs nearby. Other than that, the service at this branch is always exceptional.