Alliance Credit Union

To whom concern:
My son and I have a really bad experience with this company. And after this l would not recommend to no one else.
We got a loan for a car for over 26.000 and we just send the last payment and our surprise was after they cash the check we received a letter saying.
10 DAY DEMAND NOTICE.
Asking for 11.37 cent saying that our payment is past due for that big amount.
Can you believe it after we pay over 26.000 thousands they want this amount.
We called them and they said it was interest accrue between due day and day they cashed our last payment.
And if we don’t play that they will proceed with necessary action.
This is the branch so make sure no give them business because this is the worst company I ever deal with. ALLIANCE CREDIT UNION AT P.O.Box 18 460 san jose ca.95 158 We are leaving this company and never come back again with this horrible experience we have.
EDGARD AND MARINA.

Thanks for your bad services!

Pain. Pain. Pain.
Unprofessional «bank» with zero respect to their loyal & long time clients,
even if you had been responsible and paid them thousands over the years.
The only helpful person in there is Yolanda C. (1 star for her).
So look elsewhere…

This review is for members to think about and go forward before writing a positive review Do it but lets get fact RIGHT
Alliance offer finance works great But when i try to download checks in the evening this is every damn day it says no check is avalible to download (these are checks i try to print and save for my records)
Secondly its only 1 year from the day you are downloading you can print them AND ONLY IN MORNING
Thirdly They charge $ 3 for EACH CHECK to get a copy if you down load your copies in that 1 year period (from the date you want to download) Not 1 year from day you wrote it
Fourth Even with the carbon copy (duplicate checkbook) all check fade out and you are like what to do and thats when the Credit Union comes in with bad choice
Lastly i am not writing this after the first attempt at downloading checks in evening its been more than 30 times i have tried
So guess one only have 10 to 5 pm to download old checks
I dont have any issues regarding customer service it A= Just want the people Up there at the HQ to know how to improve
I love Finance Works and it ROCKS
Please fix this small real issue i am mentioning about
Good Luck

Customer service at the Blossom Hill location is far better! Closing my account after terrible customer service. While Chris was friendly he was terrible at returning emails and phone calls. After 4 days of no response I finally had to go in. My account had some charges I didn’t make, so I went in to clear it up. Communication is terrible. Even after you go in, and speak to someone they will not call you to let you know of your status, you have to call them, or you will hear nothing but crickets. The manager Tia was so friendly as to get rid of half of the overdraft fees that came from multiple small (0.99 — 1.99) amazon charges made by my grandmother. This is only after I called and emailed repeatedly… and finally got fed up and went back in. Really I needed to come into the office twice, call everyday for week, and send multiple emails for that? Don’t waste your time. There are other credit unions far more helpful. No wonder there are so few locations.

This review is a long time coming. I have banked with this bank since I was a wee lad, about 15 to be exact!
Every single person that I have met at this location is incredible! They are always very willing to help me with simple things such as a withdrawl or deposit, to something sensitive like getting a new card. They are always very fast and friendly at this location. EVERY SINGLE TIME i have come here, I actually always left a happy person. Just the other day, I went to get a new credit card because I had misplaced one, and in minutes, they went about giving me a new one. I don’t even have to pay a fee to have it replaced because I have accumulated points for using my card. The system they have here works, and isn’t very complicated.
Overall; I am very proud to call this bank my bank, even if now I have to commute from Cupertino, the quality in service here is well worth it! Thank You Curtner Alliance, you guys ROCK!

My dream car got financed through Alliance Credit Union. A while back I wanted to refinance my car and made an appointment to go talk to someone. I went there on a Saturday morning and spoke to a lady. She wasn’t interested in helping at all and she just told me that everything I was trying to do wasn’t going to work, she didn’t even let me ask questions or suggested any of their products. I was so disappointed.
This last Saturday, I went there to make a payment, change my address and set up an online banking since I have tried to do it on the phone but it wasn’t working. When I finished paying they asked me if there was anything else I needed to be done. I said I needed to set up an online account.
TRACI ZUBERBIER came to help me and she is the best. After setting up my online account, she asked me if there was anything else I needed to be done. I told her about my experience the previous time I was there. She offered to help, asked me a few questions and boom my car was refinanced right away. She proposed to me a few more of their products and by time we finished everything, she had saved me about $ 3000.00. I can’t thank her enough. I told her she is a life saver. She is the best customer service person I have ever met. She is very professional, polite, respectful and a good listener.

This location is great for loans. My go to person is Chris Solis. Chris demonstrates true professionalism. He worked his hardest to find every way to lower the rates as much as every member discount.
What I enjoyed most was his honesty. I came in to refinance one of my loans. He told me the pros and cons to the loans. He let me make the decision if I truly wanted to refinance. I didn’t feel pressured like other places to make the decision they wanted.
The used car rates here are untouchable for people with semi good credit. When you restore your credit, the rates are unbelievable.
This is my go to place and Chris is my good to person.

Hey everyone! So this review is honestly being done while I‘m busy with school work AND research for a new business that I‘ll be starting soon. Anyways, I have been searching for my first motorcycle now for over 3 years. Due to being a student and helping family and not having enough time to get my M1, it‘s been a bit difficult. After finally getting my M1 though, I still realized that getting a motorcycle that I could truly be happy with would cost a bit more than expected, so financing was really my only way as of right now.
I actually was approved from other places, but Alliance Credit Union was my go to institution. Why? I‘ll tell you exactly why! After getting the great news that I was approved for literally the bike of my dreams, the process for me was laid out in a great manner. Not only that, but the level of communication between the loan officer and I was amazing. They were so quick to respond it made my life easier and worry free. The original lady that was going to oversee the process of the funding actually had to go on vacation that week (her name is Rosie… an INCREDIBLE LADY!). So my application and information was switched over to Robin, who was an absolute GEM. She took care of everything so quickly and was awesome to work with!
The day of the funding was quite shocking, in a good way. By the time I got to San Jose, she greeted me with a smile and let me know that the paperwork was already half way done! The process took less than an hour for the seller to have a check in his hand! All of the DMV paperwork and registration was taken care of for me, and I was set to go pick up my new bike from the sellers home the next Sunday afternoon.
Even the DMV registration in MY name came that next Saturday… perfect timing!!!
If there was ever a place I would recommend for financing… whether you are an Alliance member or not… would be here! Incredible service, incredible people, incredible work ethic by these people! Thank you for helping me get my dream bike!

I’ve been a member of Alliance for over 29 years and have used the Curtner Branch on hundreds of occasions. I have a majority of my business there, including my checking account and have had auto loans in the past. I have always found the staff there to be friendly, helpful, and knowledgable. When I’ve needed answers to questions about a product or service, they have either had them or got me in contact with someone who did. Since my checking is free because of Direct Deposit, I figure I’ve saved thousands of dollars over the years – money that would’ve gone to some big bank had I not discovered the credit union years ago. My kids have accounts there and my oldest son uses his account almost daily while serving in Europe in the Air Force. Come to Alliance if you want to save money and deal with friendly and knowledgable people.

I needed to get a new debit card, and as soon as possible. At this branch, they are able to make you a new one in seconds. When I was with Chase, the only option was to send away for one and wait about a week.
Tracy was very helpful and polite, and made my day with her excellent customer service.

If I could give negative stars, I would. I was unlucky enough to have my HELOC transferred to these idiots from the original credit union it was opened with. Since it was a transfer, I was not treated like a normal «member». I was just the red-​headed stepchild they got stuck with. No online banking. No computer access at all to the establishment. Any question I had, I had to call someone, wait on hold and then get an unsatisfactory answer since they are in the stone ages when it comes to technology. Oftentimes, they had the amounts due on my loan calculated incorrectly. If I ever needed any kind of backup statements, I had to snail mail them a letter. Once I needed some documentation for something and I had to MAIL them a check for $ 2 so they could print out a piece of paper — and, of course snail mail it back to me. Other times, I had to request info via snail mail (phone wasn’t good enough), and they would snail mail it back to me. No fax. No emailing it to me. Seriously, WTF. Right now I am awaiting a call back since I (THANK GOD) refinanced and no longer have to deal with these idiots. They overcharged me $ 1800+ for the payoff. I’ve already spoken to one person who did not listen to what I had to say regarding the details of the payoff. Me: «I have the payoff statement you sent to escrow and the numbers don’t add up.» Moron: «Well, there are fees and stuff included.» Me: «I am aware of exactly what the fees are. That’s not my question. My question is.» Moron: «Well, there are fees included in the payoff.» Me: «Um, yeah. I am looking at the piece of paper…» You get the picture. In the end, she said I had to speak to the mortgage department (Um, I had gone thru the phone tree choosing all the options to speak to the mortgage dept. and apparently was still not speaking to the mortgage dept.) She also said that the mortgage dept was helping a «member» and would call me back later. She said it like since I was not «member», I would get help when they got around to it. Yes, I’m not technically a «member» still but up until a few days ago I was and still should be treated with some degree of respect. I’ll update this when I get an answer on the overpayment. I hate these people.

No. Hell no.
I shopped around for a Credit union that was, «of course»… super difficult to get to. And yes, I’m being serious.
I wanted a credit union that was hard to get to, because I didn’t want it to be easy for me to access the money, that I’m obviously trying to save.
Score! I found the perfect place.
Unfortunately, the staff at this place is great at reeling you in to join the credit union, but once your a member, your treatment is sub par.
I absolutely love that the last time I was here, the staff took their sweet time calling me to the counter, when there was absolutely no one around!
Seriously!
Furthermore, I adore the fact that once I was with the teller, withdrawing a good chunk of change, she didn’t even bother checking my identification.
Interesting…

It’s a mixed bag at this credit union as to how you’ll be treated, it all depends on which teller you get. Some of the tellers are polite and fairly friendly & others seem like they’d rather be anywhere else, they ask the bare minimum just to get you in & out. I come from a customer service background, my last job required me to constantly interface with the public either face to face, or over the phone. We had a very solid client base with most of our growth generated by word of mouth directly from that customer base. This CU needs a course in basic manners, it is not difficult to be at least pleasant. A smile and a kind word can go a long way, you never know who you’re speaking to or waiting on, appearances can be deceiving. As the old adage says, you catch more bees with honey then vinegar. I hope they check out their reviews, word of mouth is powerful and can work either way.
My boyfriend is the one with the account here, I am always with him when doing our banking. He signed up for overdraft protection linking his checking account to a savings. Anytime it has gone over, even with the funds available in savings, there are overdraft fees incurred. Isn’t that one of the points of overdraft coverage? Not to incur additional fees? That is the way it works where I bank in Santa Cruz, I am covered as long as I have the funds to do so. If I do not, the bank will actually call me or send me an alert so I can make a deposit to cover it. Alliance has also held checks that were deposited via the outside ATM on a Friday during business hours, all the way until the following Tuesday at 3:00pm, this wasn’t a holiday weekend either. We chose to deposit outside because the line inside was long, we had other errands & there was no waiting at the drive up. The check was a typical monthly deposit, from the same source, for the same amount, nothing unusual. We went about our business over the weekend, going out to dinner, paying bills online etc only to find that they had held more then 2/​3rds of the funds! We not only incurred fees from who we had paid but from the CU itself, to the tune of $ 35.00 a piece!!! We no longer have the overdraft coverage it provides no real advantage, we signed a document to have this taken off. Now if we don’t have the money for something or have miscalculated, it just declines and we aren’t penalized by the bank. The referenced above penalties we incurred were taken off only because we went in and sat down face to face with someone & did battle, yes, battle. They were not going to reverse them until we basically argued the point & even then the manager or whomever it was would only agree to take off three of the five $ 35.00 fees but her system would not allow her to do just three, it was all or nothing so, it worked in our favor.
Long review, I know, I think the best you can do is to completely understand whatever services you sign up for. On the CU side, they really do need to work on how to treat and speak to their customers. It’s pretty basic, the golden rule.

I came to this location bc they are a service center for other credit unions, I am a member with National 1^st Credit Union. I’ve been to other cu’s and they have given me a little attitude bc I am not their member, but I literally got the «why are you here» sour face today which I don’t care for, but the way they treated one of their customers made me want to Unilocal them badly.
I just came in for a withdrawal, nothing else plain and simple, and I think her name was Marietta or Marisetta but she was an old phillipino lady. There was an elderly disabled lady with her son getting ready to leave a teller’s station and she asked for some water. The teller went to look for water but I guess their branch can’t afford to give people water. Out of Marietta or Marisetta’s mouth came the following: «we don’t have a glass of water, just tell her we don’t have water». The elderly lady asked why they didn’t have water so Marietta agreed that they didn’t have water.
The elderly lady could barely walk even with her son’s help and it was 90 degrees outside. My bf was with me and in front of Marietta or whatever I informed him about how important it was for elderly people to be hydrated but Marietta ever so sour didn’t give an ounce of it.
I thought the reason why I and other cu members joined was bc of the amazing service we are told we are going to receive. I am not their member but to see them lack any humanity with their own members, it’s a jaw dropper. I love my cu bc all the tellers are so nice to me, I’ll definitely not EVER consider joining this credit union and I’ll make sure my family and friend know about it.
As for Marietta or Marisetta… honey I hope you get the chance in your life to learn how to treat human beings like human beings, with respect, dignity, and care… and not like animals.