Credit Union reviews from Reddit
Summary
We analyzed 457 Reddit reviews across 81 subreddits and 97 posts to rank the best Credit Union brands recommended by redditors, including communities like r/Appleton, r/TwinCities, r/Seattle, r/madisonwi, r/GNV. Top-rated brands include Community First Credit Union (4.3/5), Fox Communities Credit Union (4.1/5), Credit Union (4.7/5).
Stats
Reviews457
Subreddits81
Posts97
Brands100
Products0
457 reviews from
and
By Brand
/By Product
#1
Community First Credit Union
4.3
(20)
"Community First took care of me with no issues and Verve lost a customer for life out of it."
"I switched to Community First from Wells Fargo. Now, it's wonderful. No one tries to sell me anything, comment on how much my balances are, and are amazingly helpful."
"Community First Credit Union! Hands down the best one around."
"Community first came back with a better auto loan rate a few months ago when I purchased a vehicle."
"Community first for best rates."
"Community First has a loan interest rate about 0.75% lower than FCCU."
"Have been with Community First since 2020 and they've been excellent. Got my best home loan rate through the."
"I've been at Community First for over 20 years and have been very happy with them."
"Have had fantastic experience with them and they are located in a lot of different area communities."
"Very happy with Community First."
#2
Fox Communities Credit Union
4.1
(18)
"Fox Communities. My parents and I were members of Community First and Prospera, along with Fox Communities, for over 15 years."
"I have a car loan through Fox Communities Credit Union and they also are really great."
"I've been with them for over 35 years."
"Best financial institution ever!"
"Happily with Fox Community."
"Fox community hands down is the best In the area."
"I've been with Fox Communities Credit Union my entire life with no issues."
"Fox communities"
"Fox Community. Next question?"
"Another vote for Fox communities"
#3
Credit Union
4.7
(15)
"I actually recommend credit unions over banks if only because they’re going to lend based on what you can afford to pay back rather than what you can afford to buy."
"Credit Unions are generally better in that they don't sell your mortgage."
"They were very easy to work with and the whole process went smoothly."
"Awesome to work with since it was our first time buying without using a realtor."
"I got my mortgage from them in 2018. Nothing bad to say at all."
"I’ve gotten a car and a personal loan from them. Great rates."
"Credit unions normally have the best rates."
"Only credit unions. Never banks. Credit unions share ATMs so you're never far from one."
"I would advocate for a credit union, they typically have better interest rates on loans and deposit products."
"Refinanced with them 8 years ago and haven’t had an issue."
#5
BECU
4.6
(14)
"I have been very with BECU for over 20 years."
"Best rates. Best customer service."
"One of the best rates in town for me."
"I love BECU."
"Love BECU."
"BECU has been great."
"I really like them."
"I've been using becu for over 20 years, love them."
"They've always treated me really well."
"I find their app generally good and easy to use."
#7
OnPoint
4.8
(11)
"Have to throw in another vote for Onpoint! I’ve been with them for eight or so years and they are fantastic"
"Been with OnPoint for over 10 years, they have been great! Recommended!"
"They've been awesome and I have no complaints."
"Great, personable service."
"Have had really great experiences over the years!"
"They've been great to work with."
"Onpoint has the best HYSA rates."
"Been with them for nearly 20 years and have almost never had an issue."
"I just really like OnPoint at this point."
"OnPoint is great. Very personalized."
#8
PenFed
3.8
(12)
"I personally prefer NFCU."
"PenFed or Affinity FCU are good bets."
"Customer service and rates are top tier."
"Is highly regarded."
"I’ve had PenFed for years and like them."
"Was great for me. 10/10."
"I hear pendeds got great rates for everyone."
"I heard PenFed has comparable rates."
"I have used Georgia United many times and while their rates are typically very good."
"No issues other than a massive wait time to get it done."
#9
OCCU
4.1
(11)
"Fantastic credit union."
"They don't charge fees like that."
"The ignite savings with OCCU is pretty great."
"Support your local business!"
"OCCU has been good for me."
"I have many friends and coworkers who use OCCU and seem really happy with their customer service."
"I really like OCCU right now."
"Has only a $9 overdraft fee, whereas most other places have $30 fee."
"You should talk to occu and ttcu."
"I’ve had OCCU for almost 20 years. It’s great for your everyday checking/savings."
#10
Desert Financial
4.2
(10)
"They're the best."
"I’ve been very happy with their service."
"Desert Financial."
"I would highly recommend Desert Financial."
"They've been pretty great."
"The customer service in the branches, or on a chat, is really great."
"I'm glad I switched to dessert financial."
"Been very happy with Desert Financial for about 3 years now."
"Always able to provide the best rates on loans."
"Desert financial is a good choice for local banks."
#11
PSECU
4.6
(9)
"PSECU for 20 years, no issues here"
"PSECU is the best."
"The closing costs are the lowest around too."
"They're super easy to work with, offer good interest rates."
"They tend to have better rates."
"PSECU (state employees, anyone join with small fee)."
"I bank with PSECU and I do everything online."
"PSECU is a great credit union."
"All around better experience."
#12
UW Credit Union
4.6
(9)
"Been with UWCU for 15 years."
"They're big enough that all the normal things that sometimes sets credit unions below banks as far as services, don't really apply."
"I’ve been with them for 25 years and they have never let me down."
"UW Credit Union is the best."
"I have banked with them for 10 years and have loved it."
"I prefer the UW app over Summit."
"They do run a very good credit union in general."
"They’re solid."
"Check with UWCU or Summit CU."
#13
RBFCU
4.6
(8)
"I also highly recommend RBFCU."
"I like RBFCU."
"Rbfcu, CU of Texas, InTpuch are all good ones."
"Agreed with other posters on RBFCU."
"Has treated me extremely well in the past."
"We have used RBFCU for 3 cars and have been happy dealing with them."
"RBFCU is one of the better ones"
"Moved from BoA to RBFCU, they’ve been really good so far."
#14
Lake Michigan Credit Union
4.4
(8)
"Lake Michigan Credit Union is fantastic."
"I've been with LMCU for about 15 years and have only had positive experiences."
"I’ll be the first of many to second that LMCU recommendation."
"LMCU ftw."
"LMCU seems to be popular."
"I’ve had positive experiences with LMCU."
"LMCU seems to be popular."
"I've had good experiences at lmcu for personal banking."
#15
Capital Credit Union
4.0
(8)
"I’ve been with Capital Credit Union for 50 years. They are solid and have lots of locations."
"Capitalcu they pay 4.17% interest on money in ur checking account up to 15k."
"I’ve had an account at Capital Credit Union (formerly Pioneer Credit Union) for 36 years. They’ve always been fantastic to work with."
"We have been with Capitol CU for 30 years. They are the best; I have shopped around a few times."
"I highly recommend them."
"My rankings in order are Unison, Community First, Capital, Fox communities"
"Capital is good"
"Capital CU = terrible"
#16
Veridian Credit Union
4.6
(7)
"Veridian Credit Union by far, no contest."
"They are SO helpful and kind, can't speak highly enough of them."
"Veridian has always been great for me."
"Veridian is one of the best credit unions in the state"
"I use Veridian Credit Union. They are usually very helpful."
"Veridian credit Union."
"Veridian is still one of the top credit unions in the state."
#17
Affinity Plus
4.8
(6)
"I've been with Affinity Plus since the 1990s. I'm totally satisfied."
"Affinity plus is A+!"
"I've been with Affinity Plus since 1994. Love them."
"Affinity Plus has been great for me for years."
"Affinity Plus has done right by me for decades."
"I’ve been happy with both."
#18
SELCO Community Credit Union
4.7
(6)
"If a Selco location is close to you or along your usual route, I would go with them."
"Selco or maybe Onpoint will probably fit your needs best."
"Selco."
"Selco then OCCU."
"We have selco and like it."
"Selco to do banking, OCCU to get loans IMO."
#19
First Community Credit Union
3.9
(7)
"First Community is trustworthy."
"Check out First Community Credit Union."
"They’re all better than banks!"
"As others have said, First Community CU, no question."
"Together, Scott and first community were my go to credit unions!"
"I’ve financed 3 cars through them."
"Credit unions around here are great for loans, but on the others person recommendation I would not go with First Community Credit union."
#20
Summit
4.3
(6)
"Summit FCU is hands down the best."
"I second Summit"
"I love Summit. Their customer service is excellent."
"The mobile app is solid."
"I’ve been very happy with it."
"They usually have a good rate, sorta annoying to work with IMO."
#21
Wings
4.8
(5)
"We’ve been very happy with Wings."
"I like Wings and I’ve had a good experience with Ideal for a car loan."
"We really like Wings. Never really had any issues with them."
"Relatives who have been really happy over at Wings for decades."
"I really like Wings. Not a large amount of branches in the metro but I rarely need to go in person."
#22
TruStone
4.8
(5)
"TruStone - I've been with them for over 20 years."
"We use Trustone. I don't have any complaints."
"Try Trustone, I used them awhile back to finance a car and they beat out everyone else at the time."
"Friends who have said good things about TruStone."
"Truestone is pretty good, took them a minute to get it together but they seem pretty good now."
#23
Summit Credit Union
3.8
(6)
"Highly recommend!"
"I prefer Summit over Heartland."
"I like both but I prefer UW."
"I think either Summit or UW will be great."
"They become a bit predatory."
"They've been fine."
#24
Robins Financial Credit Union
4.6
(5)
"Joe Wyrick at Robins FCU you will not be disappointed."
"They’re great. Been with them since about 2014."
"ACCPD is a big fan of Robins."
"I like that at RFCU I feel like I'm engaging with actual people."
"I’ve been pretty happy with Robins."
#25
Bay Federal Credit Union
4.4
(5)
"I have accounts with both and am happy with both."
"I have nothing but good things to say."
"Bay fed is cool."
"They have a business lending dept and financial advisors as well for investing."
"They were very helpful and understanding in getting the accounts set up."
#26
GreenState Credit Union
4.0
(5)
"Greenstate. Not close. Have been around forever kicking ass."
"I've had good experiences with Greenstate and Dupaco."
"Ive been using GreenState CU for a while now.. its been good"
"Green state has been pretty good for me."
"My husband has Green State Credit Union. I think they have a credit card with good returns."
#27
Affinity
5.0
(4)
"Putting in another endorsement for Affinity."
"We switched from Blaze after 15 years to Affinity this fall, and couldn’t be happier."
"Affinity. Do it."
"Such fantastic customer service."
#28
GECU
3.8
(5)
"Overall good bank though."
"GECU has been pretty solid."
"For regular every day use I would say GECU as they have like 12047194 branches in the city."
"I currently have GECU and it’s pretty good."
"I'm a fan of gecu, good app, easy interface but their contact service center sucks."
#29
SDCCU
3.8
(5)
"Is awesome!"
"San Diego County Credit Union."
"I like SDCCU. No problems, nice people convenient branch locations."
"SDCCU is good as is California Coast CU."
"I would have said Sdccu, but the CEOs income jumped significantly larger."
#30
Campus Credit Union
4.8
(4)
"I've had Campus Credit Union since forever ago and have always been really happy with them."
"I would say you cant go wrong with any of the local ones (Campus, Florida Credit Union or Vystar)."
"Been a member since 1998."
"Campus gave me a new car loan in early 90’s when I had sub par credit."
#31
Affinity Plus Credit Union
4.8
(4)
"I got approved for 6.74% APR with Affinity plus for my auto refinancing loan, and my APR was 13.39% with my previous lender."
"Affinity Plus."
"Affinity Plus."
"Affinity plus"
#32
Mountain America Credit Union
4.8
(4)
"Bought a car a few months back and Mountain America leads the pack on rates for local credit unions."
"I’ve had America First, UFirst, and Mountain America Credit Union. All three are better than any bank, but Mountain America is hands down the best."
"Mountain America Credit Union has great auto loan rates."
"Both seem similar and good."
#33
Florida Credit Union
4.8
(4)
"I also love Florida Credit Union."
"Love Florida Credit Union."
"FLCU has better customer service and better branch hours."
"Florida Credit Union has better CD rates."
#34
Campus USA Credit Union
4.8
(4)
"Campus USA credit union has done me right for the last three loans I’ve needed."
"Campus USA Credit Union gives me $100 every year at Christmas."
"Campus USA."
"We got a good rate from them on a used vehicle; good customer service."
#35
Together Credit Union
4.5
(4)
"Together Credit Union has the lowest rates right now."
"I've been a member of Together CU for years."
"I switched to Together Credit Union last month and I think they’re really good"
"I've been happy with my loan experience at Together."
#36
LMCU
4.5
(4)
"Love LMCU!"
"A no her vote for LMCU."
"LMCU has been good to us for prior auto loans and currently our mortgage."
"Many people around here use LMCU."
#37
Texans Credit Union
4.5
(4)
"Have used Texans Credit Union for several car loans and they have been the best by far."
"Been with Texans CU for almost over 10 years."
"Texans"
"Texans CU is where I bank and they’re great"
#38
First Tech
4.5
(4)
"Great rate, easy process, and they didn’t sell the loan!"
"We've been with them for decades and they are member focused."
"First tech federal cu is good."
"I went with First Tech myself because BECU has no real MFA available to customers."
#39
Redwood Credit Union
4.3
(4)
"If you’re in the north bay my family and i all love redwood cu."
"I have been having good luck with Redwood Credit Union."
"I was with Wells for 30+ yrs and finally decided to go with Redwood Credit Union."
"Consider maybe Redwood Credit or Provident."
#40
Sierra Central
4.3
(4)
"That’s what I do all my auto loans through."
"They’ve been great with me though."
"Most everyone I've talked to in this area uses."
#41
Unison Credit Union
4.3
(4)
"Unison has always been good to our family. Easy to work with, good rates on loans and mortgages."
"My rankings in order are Unison, Community First, Capital, Fox communities"
"A little love for unison, but i’d say puck over that’s convenient, they’re all good"
"All around great place. GREAT RATES."
#42
SchoolsFirst
4.3
(4)
"Schoolsfirst is the biggest in CA and #1 credit union by Forbes."
"If you have the ability to be a member, I recommend Schools First."
"If you are able to join."
"SchoolsFirst on 2nd Street."
#43
Members First
4.0
(4)
"I’ve had good luck with Member’s First for 3 loans so far."
"Are our favorite for everything."
"Was really pleased with them."
"Is great."
#44
Bellco Credit Union
4.0
(4)
"Lowest apr in the game currently."
"Bellco which was the best rate at the time. But as others have said, call around. I was already a Bellco member; have found it to be a reliable CU with all the services I've needed."
"I recently got a loan through Bellco. They had the lowest used car rate I could find anywhere and so far, I’ve had zero issues with them, they have several branches that I can go into for help, and their online interfaces are perfectly adequate."
"I’ve used Bellco. But call around."
#45
MECU
3.8
(4)
"If you can join MECU, do that. I've been a member for 25 years and never had a real complaint with them"
"I have account at both MECU and First Alliance and prefer the MECU as they have personal connections."
"I have banked at MECU for around 25 years, and my wife and I have banked at Think for around 15."
"Personally bank at MECU and have had no issues."
#46
UKFCU
5.0
(3)
"UKFCU is great, as is Commonwealth."
"I am a member there and they really do a great job!"
"I use both UKFCU and Commonwealth, and have never had any problems with either."
#47
Vermont Federal Credit Union
5.0
(3)
"Offers free financial advising."
"Their app is easy to use, their staff is friendly."
"Smooth sailing opening / using my personal and business accounts."
#48
Lake Trust Credit Union
5.0
(3)
"I just switched over to Lake Trust and am much happier."
"Been with Lake Trust for almost 10 years, they've been great."
"Lake Trust Credit Union."
#49
Prospera Credit Union
5.0
(3)
"Prospera Credit Union. Been with them for 10+ years. Super competitive mortgage rates too."
"I have enjoyed using Prospera Credit Union for a long time. Great to work with and I was even able to get better rates on loans."
"Their customer service is top notch."
#50
Mission Fed
5.0
(3)
"I've had very positive experiences with mission Fed."
"Mission fed is excellent"
"Mission Fed!"
#51
San Francisco Fire Credit Union
5.0
(3)
"SF Fire is solid!"
"San Francisco Fire Credit Union is absolutely wonderful."
"San Francisco Fire Credit Union, if you qualify."
#52
Heartland Credit Union
5.0
(3)
"Heartland is great."
"Heartland!"
"I have no complaints."
#53
Sunmark Credit Union
3.5
(4)
"Sunmark!"
"Sunmark."
"Sunmark. Broadview is a mess since the merger."
"Aside from that they seem solid."
#54
Tech Credit Union
4.7
(3)
"They worked very well with us, and our credit went up as a result, great group to work with!"
"Tech credit union."
"We've had great luck with Tech Credit Union in Crown Point for auto loans and a home improvement loan."
#55
Communication Federal Credit Union
4.7
(3)
"I love communication federal credit union."
"Communication Federal Credit Union!"
"I would recommend either Communication or Weokie."
#56
Langley Federal
4.7
(3)
"Great bank. Awesome people."
"Best bank I've worked with."
"They were really good to work with."
#57
Golden 1
4.7
(3)
"I’ve had them for about 8 years. No issues."
"Been using them for a bit over 10 years now."
"Only complaints are the hours, location."
#58
Austin Telco
4.7
(3)
"I've been a customer for nearly 20 years and have always been happy with their service."
"Have many friends who are very very pleased with them."
"Austin telco is good"
#59
DCU
4.7
(3)
"Excellent CU, great rates and easy to deal with."
"DCU is really good, got pre-approved for personal loan."
"DCU had great rates for my used car loan."
#60
Mission Federal
4.7
(3)
"Also vote for Mission Fed."
"Mission Federal."
"I have no complaints with mission federal."
#61
FSU Credit Union
4.7
(3)
"FSU Credit Union is my go to place for auto loans."
"I had a great experience with fsu credit union years ago with an auto loan."
"FSU Credit Union isn't bad."
#62
OnPoint Community Credit Union
4.3
(3)
"I have OnPoint and Selco and think OnPoint is the better CU."
"OnPoint."
"OnPoint was helpful when I was dealing with my mom's estate, specifically the home loan she had with them."
#63
Campus
4.3
(3)
"Agreed. Have used Campus for decades."
"Campus is great."
"I love Campus."
#64
Credit Union of Texas
4.3
(3)
"I've settled on Credit Union of Texas."
"They were the lowest rate by far that I found for myself."
#65
Royal Credit Union
4.3
(3)
"Royal Credit Union is great."
"Royal Credit Union! Been with them for years they are the best."
"I've used Royal and Affinity Plus. Shop the rates"
#66
OneAZ
4.3
(3)
"OneAZ is great."
"OneAZ for me."
"I like OneAZ."
#67
Northwest Community Credit Union
4.3
(3)
"North west community credit"
"I’ve been with NWCU and they’ve been great."
"They've always been great."
#68
MEFCU
4.0
(3)
"Mefcu is good too"
"Their auto loan rates were great."
"Most credit unions are generally the same."
#69
Georgia United Credit Union
4.0
(3)
"Been with Georgia United Credit Union for the last 15 or so years and have positive experiences."
"I have a couple of accounts at Georgia United. I love them."
"I’m a Georgia united checking customer."
#70
People's First Federal Credit Union
3.7
(3)
"Their security procedures are tight, and I recommend them for that."
"We've been with people's first federal for over a years and not 1 complaint with them so far."
"People First has a better ATM network"
#71
OnPoint Credit Union
5.0
(2)
"On Point is excellent and might be a very good fit for your family."
"I’ve got OnPoint for both and have no complaints."
#72
Summit Federal Credit Union
5.0
(2)
"+1 for Summit FCU"
"I recommend them to anyone looking for a reputable lending institution."
#73
TruMark Financial Credit Union
5.0
(2)
"I've had an account with Trumark for years and never been unhappy."
"TruMark is my CU. Been with them for 20+ years."
#74
Tinker Federal Credit Union
5.0
(2)
"I've been with Tinker since 1982 - checking, savings, IRAs, mortgage."
"The only one I would recommend is Tinker and it has been far better than the others."
#75
Belco
5.0
(2)
"Belco auto loans are very convenient."
"Excellent service and rates."
#76
Cascade Community Credit Union
5.0
(2)
"Friendly staff always ready to help."
"Always had great service."
#77
Truliant
5.0
(2)
"I'm glad to see our credit union so strong."
"I have truliant and it’s been great for me"
#78
Radiant
5.0
(2)
"Radiant all the way."
"Radiant has been great for me."
#79
CoVantage Credit Union
5.0
(2)
"CoVantage, has worked great for me. Loans have been very reasonable % interest and they base your credit score differently."
"Covantage always seems to have a better personal loan rate for me."
#80
TTCU Credit Union
5.0
(2)
"My last 2 cars are from them. Better rates than anyone else"
"TtCU financed my last car other 2 vehicles were done from out of state but TTCU is good would definitely recommend them"
#81
Police and Fire Federal Credit Union
5.0
(2)
"I’ve been a PFFCU (Police and Fire Federal Credit Union) member for over 20 years and I love them so much."
#82
Dupaco Credit Union
5.0
(2)
"I like Dupaco; they have an easy to use website and they have always served us well."
"Dupaco has Green State beat for customer service."
#83
Frontwave
4.5
(2)
"Love front wave and California coast!"
"They typically have the lowest interest rates."
#84
Prospera
4.5
(2)
"Definitely prospera."
"Prospera is really good."
#85
Harborstone
4.5
(2)
"Harborstone has a checking account that gives 7% interest."
"Harborstone’s been pretty good."
#86
LBSFCU
4.5
(2)
"I have banked with LBSFCU for nearly 30 years."
"Is pretty good."
#87
In Touch Credit Union
4.5
(2)
"We've had good experience with In Touch Credit Union."
"In Touch Credit Union (ITCU) won our business a year ago."
#88
Wings Financial Credit Union
4.5
(2)
"Love wings. Can't say enough good things."
"Wings"
#89
EECU
4.5
(2)
"I have been uber pleased with them for both my home loan, banking and car loans."
#90
Unitus Community Credit Union
4.5
(2)
"I got mine from Unitus quick with no problems."
"First tech is pretty good as well."
#91
Reliant
4.5
(2)
"Reliant is pretty great."
"I recommend any you qualify for that offers Co-op/Shared Branching."
#92
Credit Union of Denver
4.5
(2)
"CU of Denver gave me the best rate and a $300 credit for moving it to them"
"CU of Denver"
#93
Neches
4.5
(2)
"Neches all the way."
"I'm a fan of neches, rave and 5 point cu."
#94
Georgia's Own
4.0
(2)
"We have had excellent experiences with Georgia’s Own."
"I haven't had any issues with them."
#95
SELCO
4.0
(2)
"I’ve had nothing but good experiences with Selco."
"I have no complaint with SELCO."
#96
Blue Credit Union
4.0
(2)
"Blue credit union is nice."
"Is really good."
#97
PenFed Credit Union
4.0
(2)
"PenFed and Alliant Credit Union are worth a look. Both have great online services, very low fees, and solid savings options even for beginners just getting started."
"I'd probably go with PenFed or FirstTech/DCU."
#98
Salal
4.0
(2)
"My husband and I have 2 separate accounts with Salal and have been happy."
"Salal is good."
#99
Vantage West
4.0
(2)
"I've been with Vantage West for about 7 years now, no issues and very satisfied"
"Vantage West has taken good care of me over the last few years."
#100
Founders Federal Credit Union
4.0
(2)
"Founders federal credit union."
"I’m very heard good about Founders."
Discover your audience
GummySearch is an audience research toolkit for 130,000 unique communities on Reddit.
If you are looking for startup problems to solve, want to validate your idea or find your customers online, GummySearch is for you.
Sign up for free, get community insights in minutes.
Tell me more
Get started
