Mission Federal Credit Union

I came to this branch a few months ago, following a devastating experience at the Solana Beach location where I applied for a loan. Despite the fact that the Carmel Valley branch had nothing to do with that situation, the branch manager, Chuck Fang went beyond the call of duty to help. I was amazed at how different his staff was as compared to their Solana Beach colleagues. They were professional, helpful, prompt, and extremely personable. Since then, I have visited this branch several times, for different reasons. Every time deserves a 5-​star review! Seriously. I’m sure that after you have met Chuck and his team — Heather, Miguel and others — you would feel the same way.

Walked back in earlier this morning to give this branch another try. Daria was at the counter, looking cold and stern as ever, when I walked in. When I approached the counter, she sternly said, «this next teller can help you,» and marched to the back. I don’t get why Daria is still rude, and why she hasn’t gotten it through to her head, that in order to keep a job, you need to be nice to the customer. I’m done with this branch.

I just completed an auto loan with Kristen Thornton. I have been with MFCU for several years and have had at least 5 loans with them. They all went pretty smoothly, but Kristen did an amazing job in customer service and follow up. I contacted her a few weeks before I purchased with some questions and she followed up with me regularly until I finally found the vehicle I wanted and closed. She went above and beyond in dealing with the dealer and in following up with me. She did an awesome job and I highly recommend using MFCU for all your banking needs. She was a pleasure to work with.

Moving our money to either Chase or Bank of America because the very poor costumer service, I have to agree with the others reviews refering a RUDE and HELPLESS teller/​manager assistant or whatever job she has! I’m talking about Daria, in our two visits to the Union she has been beyond rude and not willing to help or even take the time to explain the politics of the UNION.
So bye bye and see you never again MISSION FEDERAL CREDIT UNION

I feel like it is never busy in here so I can always get in and out without a wait! The people who work here have been super nice and alway have big smiles on! They also have coffee in the lobby area.

I plan on leaving this credit union due to bad service. I had a very poor experience over the phone about 2 weeks ago and today my visit to the branch just confirmed my decision. The teller on today was a manager and she couldnt care less about me or anything i was saying to her. I had explained to her my situation and the poor poor phone experience i had with them and she told me that she was able to see who i spoke to and that the person was a great «senior rep» with the company and she was shocked she was anything but perfect. Well i could tell she wasnt going to help me with anything after she told me that was a «great rep». So i left and told myself i will prepare to leave the credit union asap. So sad how such a great place can go down so fast.

I opened my first MFCU account back in 1996 and have been a member for almost 20 years. Since I do most of my banking online, I rarely go to my local Carmel Valley branch. The customer service has always been fine. Then in July 2014, I met a teller named Ashley. Because of her consistent superb service, I added some products and transferred new money into my accounts. I started using MFCU more.
Today, I went into the branch to get cash and had the misfortune of getting a teller named Daria. Not only was her smile disingenuous, but her aura was unpleasant. When I asked to withdraw cash, she asked me if I wanted it taken from my individual or joint account. WTF!!!
I told her that I didn’t have a joint account, and then she snidely remarked «yes you do» and just sat there with a fake smile, without explaining what she meant by that. I then asked her if she was referring to a credit card that I had cosigned for my daughter, and she said «no.» I had to ask her a few more times what she was talking about. Ugh… pulling teeth would have been easier!
She finally told me that I was added to my daughter’s checking and savings accounts when I cosigned for her credit card a couple of months ago. I told Daria that I didn’t authorize that, and she said RUDELY «well you signed the paperwork» and then she just sat there smiling smugly. I told her that if I was added to the accounts, then they would have to be closed. She then told me that if I went to open up an account at another credit union, then they would do the same thing… in other words, she was telling me indirectly that she didn’t care if I took my business elsewhere.
I completed my transaction, and after I wrote her name on a piece of paper, Daria told me that she was the assistant branch manager…“GOOD FOR YOU — RUDE TELLER with a TITLE!” She was basically letting me know that if I complained about her rudeness, there was nothing that would be done. What a moron…
So I left to finish my errands, and I later spoke to my daughter who confirmed that she avoids Daria whenever she goes to that branch because she’s rude. So I returned to the branch to close my savings account… after all, why would Ms. Rude ASS-​istant Manager care if I moved my money anyways?
I don’t know what happened to the old crew that was working at the Carmel Valley branch just a short time ago, but they all seemed to have disappeared. So I will methodically close all of my accounts in the next few weeks. BTW, my new credit union across the street from me was happy to gain my business.
Don’t get me wrong, I’m very loyal, and my 19+ years proves it… but I’m not stupid. If you see a ship sinking, you don’t wait for the incompetent ASS-​istant to fix the boat… this branch is going down as far as I’m concerned. And I’m not willing to drive 10 miles to another branch just to maintain a relationship with this credit union.
This review gets 2-​stars instead of zero, just because of Ashley and the other customer-​oriented teller, Miguel.

What a great location!
Friendly, professional, helpful, and organized. This location is not big by any means. But, it does not need it for you to accomplish your tasks.
I had some issues with my credit card, and the Branch Manager was very helpful in explaining all the details surrounding the issue. The teller completing the forms was polite, and super friendly. It took a little longer then what I thought it would. However, I realize that it’s the process. So, I left happy that my issue would be resolved.
The parking is easy here. Especially since the parking is assigned to MFCU. You’re allowed 20 minutes to park. Although I was in the office longer then that. I did not feel that I would be towed, since I was in a designated MFCU spot.
There is also a Shell Gas Station, Starbucks, and Chipotle near by… walking distance.
Thank you for everything. I look forward to returning.