Guadalupe Credit Union

Love this bank/​credit union. They make it very easy for you to get around any late fees. The tellers are always friendly and it’s all hassle free.

Tellers are very polite and professional. As with all banks, the fees charged for overdrafts quickly run up ruinous bills, particularly since they do not inform you when you have miscalculated your balance and overdrawn. And naturally at high-​traffic times of day, the lines at the windows are slow to move. But having said all this, I like this bank more than any I have ever used in Santa Fe. I am sold on credit unions.

We’ve been banking here for too long really.
The tellers and customer service agents are very kind and professional. The systems they have are horribly slow; we gave up even attempting to bank through the drive through because it is typical to sit for 45 minutes (no, I’m not exaggerating). The online banking is very basic and we have had problems with spontaneous lock-​outs. Also, the debit cards they issue often have problems with being processed at several merchants and businesses– the cashiers always ask «is it from Guadalupe?».
My husband and I have steady job histories, nice credit scores etc and still could not secure a loan with these people. We ended up getting a better deal anyway by using an online service. (BTW GCU, 2.5 years on the loan, never one late payment, your loss.) I am looking for someplace else to bank because we are ready to purchase a home here.
We were genuinely surprised at how impossible it was to get a loan with them, we’ve never had that problem at any other place we banked.

I wish I could give them 0 stars. They reversed a check that I deposited immediately after I called to find out why they had not made the funds available yet. (Considering the situation, I looked into whether the check could have bounced the day before — even though it would be extremely unlikely — and confirmed that that was not the problem.) I was repeatedly told that they didn’t know anything and they couldn’t do anything, and that a manager would call me back. Nobody ever did. They basically just stole my check and gave me the run around. Absolutely awful.

I love it. 100x better than my old BS account with scam master Bank of Albuquerque.
(Bank of Albuquerque has nothing to do with Albuquerque BTW, its a monster bank located in Oklahoma that buys up small local banks and stamps them with a friendly name. Once you sign up your milking begins… they will milk you, abuse you, feed you with bs, and milk you more…)