Capitol Credit Union

I’ve been a member for about 10 years now and I finally have decided to go somewhere else. I could deal with the bad locations, and weird hours because their customer service was awesome. Unfortunately, though, that has been on the decline for about two — three years now. The tellers are not very professional, do not know the policy (or change their mind on it), and they have a more bank feel to them then ever before. Plus, there technology is out of date. They just allowed mobile deposits. Oh well. It’s time for a change anyways.

I usually have had better experiences at credit unions than at large banks. I was surprised by the experiences I had at Capitol Credit Union a couple of months back.
First, I kept trying to go to the North Austin branch near Burnet and MoPac. But when I first went there, they were closed. That was on a Friday. I went back on Monday, but they were still closed. I asked a guy who looked like a contractor working there what was going on. He said they had a roof leak from the rain.
So I had to drive all the way downtown to their main branch. I was greeted by a guy who usually works in the North Branch. He was dressed in jeans and a sweatshirt, not what I expect of bankers. He and other people working at the downtown branch did not seem to know where things were because several of them don’t work at this branch under normal circumstances.
Nevertheless, the guy who helped me was nice enough. I wanted to open a new checking account and get an ATM card as well as a credit card. He took my information and asked me what credit limit I wanted on my credit card. I had never been asked that before, so I gave him a limit similar to some of my other credit cards. He told me that because I had just moved back to Austin and was looking for work that they may not approve the $ 7500 limit I had requested. I told him that was fine; a lower limit would do.
After I opened my accounts, the guy told me he would call me in a few hours and let me know what limit they approved on my credit card. No problem there. What was strange was that this guy sent me away right after I opened my new accounts without any of the usual disclosures, legal forms, etc. I found that very odd.
Later that afternoon, the Capitol Credit Union guy who helped me open up my new accounts told me that I was denied a credit card completely! I had never in my life been denied a credit card. I pay all of my bills on time. The last time I heard what my credit score was was when I had opened a bank account in early 2009. At that time my credit score was 813, which is very, very high.
I can understand how banks are very cautious about people who are credit risks. But denying a credit card to someone with a credit score of 813 is stupid.
I later called up to ask for the legal disclosures for my new accounts (sans credit card) to be sent to me. Capitol Credit Union did send those out to me in the mail. I also asked why their north branch was closed for so long. A different guy I spoke with on the phone said their roof had leaked. I asked him how they can manage to run a bank when they can’t manage to maintain their roof. He said that is what they were currently doing, maintaining the roof of the North branch after it leaked. As a former home owner, I tried to explain to this guy the difference between REPAIRING a roof and MAINTAINING a roof. That if one maintains a roof, then it normally does not require repair. But that never sunk in with him.
I finally closed out my account at Capitol Credit Union. Enough already.