USE Credit Union

Fantastic people at USECU! Kathleen Dallas-​Orr helped thru a loan refi and made it painless.

Looks like no one has written a review since I last wrote one, but I was especially grateful to David Andrews and his team today, and I just wanted to write something nice to show my appreciation to the Rancho Carmel branch team. I needed some old bank statements from 2011, and I was able to get it from the branch within hours.
It really does feel like I am working with friends and family with USECU. I am so grateful for the small branch smalltown feel to credit unions. Having trust and familiarity goes a long way sometimes in making things go so much smoother.
Thanks USECU!

this is the least helpful place I have ever banked at. their idea of customer service is laughable. at one point they auto enrolled us in online statements without notifying us, meaning that we had to go to the branch each time to pay our bills. when we called over the phone to fix it, it took them forever and then told up they don’t take payments over the phone on the weekend.
not to mention, we had a home loan through them and it was the WORST EXPERIENCE EVER. switched every account possible to San Diego County Credit Union and have been extremely happy with them – so much better!

Not sure of the other services provided by USE Credit Union, but would definitely not use them for a loan to purchase a home, despite their low interest guarantee. The loan specialists are so-​so, but their loan underwriters are sub-​par at best and do not understand very simple real estate concepts. The loan underwriter assigned to our loan almost cost us a bunch of money in delays and possibly the home purchase! It took them 3 weeks to understand what a Redfin rebate was. Had the seller not given us 60 days for escrow, we wouldn’t have closed in time. We should have closed in 30! Everything was in order except for the underwriter not understanding a commission concession.
We originally didn’t want to use a big bank for our home loan. That was a mistake! If you’re purchasing a home, stick with the big banks who know home financing. USE underwriters do not.