Access Credit Union

I strongly agree with Jk and every bit of his comments this Credit Union is on bank standards by all means !!! This credit union has fees worse than a bank, matter fact WORSE than my previous bank TCF and they were pretty bad. There commitee needs to step up and act like a real credit union if they want to keep their members and their name… enterprise rental cars sales isnt going to keep them alive! Seek a different credit union before becoming a member here.

This is a bank by all means and best way to explain why is to tell you my experiences with Access «Credit Union». I was a member of a real credit union «Alliance Financial CU» but Alliance merged into Access CU. I had a perfect history with Alliance with over a dozen loans all paid and paid on time.
I went to Access credit union in Jul of 2012 for a car loan. They approved me but with 12% interest!!! I was able to get financed somewhere else for 5%. In Oct of 2012 I tried to get a small unsecure loan for a ring. Access Credit Union would not loan me a cent without collateral. I found a ring at Jared and was able to do in house financing for 0% for one year.
Credit Unions are supposed to give you better interest loans thats why you become a member right? Doesn’t matter how good of a payment history you have with Access Credit Union they solely go off your credit score. Access obviously has a very strict loan policy because on both occasions I was able to get much better financing else where after trying Access CU.
To add to my poor experience, after the second bad experience I told the finance lady I was going to speak to my job about changing credit unions. She replied. «ok» and couldnt of cared less. Strongly recommend you find a different Credit Union because there is no benefit in becming a member at Access CU.