Water and Power Community Credit Union

I hate leaving bad reviews, but too bad I can’t continue leaving a review without getting to give 0 stars, because this bank doesn’t deserve any. I am very disappointed at the service received through this bank for the past year. I convinced my friend to open an account with a credit union because I told him that credit unions don’t charge needless fees like other banks. Hence why I am with my credit union in Hawai’i for over 20 years now. Boy, was I wrong about this credit union! All seemed fine when he went in to open his account, everything was normal. Open the account with $ 25 and you had to maintain a balance in the savings with $ 25. Which is what he did. There were a couple of times he accidentally overdrafted his checking, but made sure that he deposited money right away to cover it, after getting charged the fee. Again, normal. We ended up moving from Downtown LA a few months ago, and he forgot to change the mailing address to get his paper statements. No big deal. WRONG! He took at look at his account today and found that they’ve charged him a «bad address fee»! What the heck is that?! And why were we not made aware of this ludicrous fee when he first signed up?! None of the fees were explained at the time of opening his accounts, and now he is even more sketchy about this credit union! So much so that he is willing to give up the amount still left in his savings just to close the account. I can certainly say that the reason why I still bank with my credit union in Hawai’i is that they know how to treat their members, and they don’t hide fees in ways I’ve seen with this credit union. Not only that, but every time he calls customer service, they are just flat out rude. No personality when speaking with members, and just abrupt and not helpful. Now he has to write them a letter, to give the old and new address, and waste a stamp. Why can’t this be done on the website?! Are you guys that far behind the times?! My credit union is in Hawai’i where people STILL think we live in grass shacks, and is more technology advanced than this joke of a credit union. My credit union even lets me electronically deposit a check with a picture! I think the Water and Power CCU, just doesn’t care. They want to make their money any way they can, and that is just sad. Needing to charge people for not changing their mailing address. How hard up for money can you be? Seriously!

I have been a member of the credit union for 2 years now and at almost 50 kick myself for not joining sooner. I banked with a large bank for several years that have me nothing but problems with fees, no service and although lots of products none were ever given to me. Even When I Was depositing large ants of cash, it served me absolutely no good!
WPCC in just 3 years have gi v en me do much, a new car, awesome checking and savings accounts and overall just the best thing you can look for in a financial institution. A member for life!

This credit union knows how to take care of their members! All WCPPU branches that I have visited have pleasant staff, fast service, and they treat you like you matter. If you bank with a big bank or another credit union you are doing yourself a dis service. Run away from those blood sucking banks or rinky-​dink credit unions and bank here, @ WPCCU!!!

I have been a member for many years and I am always received as though I were a family member! I actually enjoy going to the branch because of their exceptionally friendly disposition! They are extremely helpful even when the stress monitor is on high alert! They maintain a professional demeanor, and I am always satisfied by their efforts! So kudos to Angelica, Nicole, Jasmine, and Joanna.. the new staff members are excellent as well so I thank you all for your great, and above average assistance!

Great Credit Union to bank with if you’re in need of a great Credit Union stop bye the Sunset office and ask for the Branch Manager Patrice Mustafa.

Since I’m an employee of the credit union, Letty Garcia in lending is my MSR. She quickly and enthusiastically assists me each time with my auto and summertime loans. And she’s hilarious to boot! I recommend her to any employee who’s a member. = P

Great customer service received by Jasmine Lopez!
The staff is great I wouldn’t bank anywhere else. They took very good care of me. The branch managers are the sweetest ever. So I highly recommend this credit union for car loans and especially there Real Estate. So go talk to Larry Valencia for all your Real Estate needs.

Life savers. When I lost my job I went to them to roll over my current 401K. They took the time to set me up with the best possible saving and a new 401K. They even assisted me with the paperwork to get a partial pay out. I couldn’t have done it without their help.

We recently refinanced through WPCU and it was a smooth easy process! They followed up when I was slow getting paperwork in and got us a great rate saving us lots of money!

they contacted me, the woman was very knowledgeable, this was back in jan at the end of the month so why are they posting this.

WORST BANK EVER! DO NOT GIVE THEM YOUR BUSINESS! THEY LIE! THEY CHEAT! AND AWFUL CUSTOMER SERVICE!
Sadly, I am forced to give them one star.
Years ago, when I was purchasing my vehicle from a dealer and my auto was financed through them. Did not think to change it since the rate was good and I am one to ALWAYS make my payments on time… so I stayed with them. I had my payments set up on auto pay on the same day, through my bank for the duration of my loan. Water and Power would send me a monthly statement showing amount due, I’d file it and I’d see that my bank would cut them an automatic check on the same day every month. On my last payment, I called to confirm that all the payments had been received and to find out when my pink slip would be mailed out to me and I was told I still had a balance of almost $ 2,300. Balance??? Made no sense? The customer service person could not give me an explanation as to why there was a balance and told me she would refer my account a bank specialist and I should hear back from them within 48 hours. Weeks went by and no word. I called again and was told the specialist was on vacation and would get back to me upon their return. One month went by, another month went by… I had no payments to make so I just waited for a call back because I was 100% sure that the mistake was on their end. So I reached out to them again for like the 10^th time, and by then I was upset because I wanted my pink slip/​vehicle title. A week later, a very rude lady finally called me to inform me that the outstanding amount of $ 2,000+ were late fees owed to the bank… I was in SHOCK!!! Why would I have late fees?
A) My payment was set up on auto pay for all those years through my bank and was sent out on time. My bank cut them a check and mailed it directly to their office on Sunset for processing.
B) For FIVE years, they NEVER, NOT ONCE, did they send me a statement, a notice to let me know that they were charging me a late fee EVERY SINGLE MONTH FOR FIVE YEARS. They sent their statements requesting payment but no late fee being charged was disclosed on their statement. NOT A SINGLE TIME.
I was furious because not a single attempt was made on their end to warn me «hey, lady, we are penalizing you monthly cause your bank is not sending your payments on time» Instead, they took advantage of the situation. VERY WRONG! There has to be a law protecting us. Not a single notice/warning…what kind of bank are you?! I tried to speak to another rep asking to waive some of those fees and NOT A PENNY WAS WAIVED. I paid cause I had no choice since they would not release the title of my vehicle. VERY wrong to do that to someone, especially, if you have the funds available and going out the same day every month for years… I have a feeling that I am not the only victim in this scam.
AWFUL SERVICE. TAKE YOUR BUSINESS ELSEWHERE.

Worst Banking experience ever dealing with these guys i have banked with Chase they are way better and actually have people that you can get on the phone and get to help you. I made huge mistake doing business with them and want out and have plans on getting out of here. Very inconvient thats understatement nobody knows what the other is doing, takes forever to get a call back. They simply don’t care about my business so i am going elsewhere poorly run operation.

Old school banking now
technically behind «the Times»
Is that a bad thing?

If it were possible to give zero stars, I would have. I really dislike giving bad reviews but the WPCU truly deserves one. I needed copies of banking paperwork and was told by the call center representative that I could either go to a branch or fax the request. I was in San Francisco, so faxing was my only option.
Here is where trouble started: the people at the call center have no information. They do not know the fax number in which I was to fax the request, nor did they know a phone number/​anyway to contact the branch to get that information. I called during business hours at least 6 times. Not one person could give me any information. And of the 6 call center representatives, only 1 person actually seemed to care about not being able to help. One woman actually said «well, what do you want me to do? I don’t have the information». What customer service.
I am most likely going to bank somewhere else in the near future, and I strongly suggest staying away from WPCU.
One good incident: I went into the Sun Valley Branch, and Jeanette Cabrera listened to me and was actually able to help me, she was apologetic for what I had been through and had a nice disposition.

Glad I switched from a big bank. It’s very close to my work.
My only complaint is the tellers, they need to smile more and tone down the attitude just a notch :)

I always go in the afternoons when they’re about to close. Every time I go it’s empty and I am done with whatever I need help with fast! Staff is nice and attentive. I have two accounts here in the past five years, and I have never had an issue before.

I had an auto loan with WPCCU. They had great rates.
Here is the catch. You can only apply for their loan if you are a member. To become their member, you have to have an account with them. Open a free checking account with $ 25 then you instantly become a member. Not a big deal.
Once you paid off your loan, close your account immediately. Otherwise, they have this dreaded «inactive fees» that will siphon $ 3/​month out from your account. They did not warn you either. They are so poor in communicating this bad policy. I went to the branch. They say «Its included in the schedule of fees». You have to carefully thread through that small font document to find it. The inactive fee is buried somewhere along with 74 other fees. If you miss it, its your fault. Thus they have the right to suck out your money that you have trusted them to.
If they have policy changes, good luck. They don’t tell you what has been changed. You have to thread through that document again at your own initiative.
I am giving them 5 star for great rate, –2 star for inactive fee policy and –2 for not sending out warnings before stealing members money. Its a 1 star credit union.

This is the closest FCU to me. Whenever I have come to this location the staff is attentive and courteous. If I was rate shopping for a loan or some sort I would definitely consider this bank as an option. Their ATM is accessible after hours as well.