Service Credit Union Reviews 

I have used Service Credit Union for years and always had a good experience. Unfortunately, I recently had an issue with another company basically stealing $1000 of my money. I filed a request to reverse the charges with Service Credit Union, and they refused. They did not even ask for input from the company. If they had, they would have realized that they ripped me off. Like many organizations, Service Credit Union is OK until you have a problem. Customer Service fail.

I saw on their website they offer a pre-approval loan request without a hard credit pull. I filled out the application and immediately got a hard credit pull notification. I contacted them about it and they said there was a hard pull request pop up somewhere in the application process which I don’t remember seeing so now I have a hard pull on my credit from a pre-approval check that wasn’t supposed to do a hard credit pull. What a scam.

I have been extremely disappointed with Service Credit Union’s handling of my card dispute. I provided extensive documentation, merchant communications, transaction records, and written Google Fi support transcripts. SCU continued requesting a dated cancellation confirmation even after I explained and documented that Google Fi’s own records do not show a successfully completed cancellation, meaning the specific document SCU keeps requesting does not exist.

I repeatedly asked what alternative documentation Visa would accept, but instead received essentially the same request again. The process has required an unreasonable amount of effort and has felt more focused on finding a reason not to proceed than helping me resolve the dispute.

After years of banking experience elsewhere, I expected much clearer communication, better follow-up, and a more practical review of the evidence provided. My experience left me feeling that SCU will not have your back when you need them most.

I have all of my accounts setup on monthly payments. This app is not user friendly, nor can you set it up for at least minimum monthly payment, so you have to put in an amount without knowing what the payment will be. I set it up with a guess at a higher amount, just so I don't have to worry about it.

It should be zero stars.
It is a crazy way to manage loans.
After a transfer from a heloc, some freak dude called to say that he had the ultimate saying transferring funds if “he” thinks is right. Like wth????
Stay away for this place. Ain’t worth the hassle.
An amateur in financial matters.

I had set up auto withdrawals for a new car loan with my other banking account months ago. I used PLAID and even contacted Service Credit Union to walk thru the process. I was assured that all was OK. I am NOW receiving letters that my VERY FIRST payment is late and that there is no tie to my other banking account. I tried today 2 times- #1. They do not have my account information. #2. First try- waited 20 mins #3. Second try- waited over 25 mins. Still unresolved and I have demanded that THEY call ME! I despise gross incompetence and I have seen nothing but.........

I've been a member with Service Credit Union for many years. I applied for a credit card with them and mistakenly did not include all of my income. Quite naturally the application was denied. I called twice to update the application and the first representative Kim was super helpful and accommodating. When I realized that I did not put my monthly income from my primary employment and called back, I spoke with a Jamel that was quite rude and did not help at all with updating to send for another review. That experience left me with wanting to close ALL of my accounts with Service Credit Union and taking my business to another credit union.

Had an account with them for 30 years. Since the expanded some years ago they have become more and more like a corporate bank. The customer service people have become more and more rude. Their attitude is more about getting rid of the customer instead of helping them with their problem. I had my. credit card balance transferred to one that had no interest for 18 months. My balance showed up on the other credit card but it didn't come off my Service CU balance for a good 3 week. As a result my credit rating went way down because it looked like I owed twice as much as I really did. I talked to at least five different people. All said the same thing is wasn't their responsibility and it was their problem. Some were extremely rude in telling me this. Changed to a smaller credit Union where they treat me like a human being.

I’ve had a car loan with Service Credit Union since last year. I was overseas when I purchased the car in March, and the dealership held the vehicle until I returned stateside, taking delivery in early July. Since then, I’ve encountered issues with an insurance verification requirement and CPI adjustments on my loan.After a few months, an insurance-related charge (CPI) appeared on my account. When I tried to resolve it, I was told I hadn’t provided proof of insurance.I contacted my insurance provider and provided the binding insurance documents .Once the documents were received, Service Credit Union partially reversed the charge, but required proof of insurance from the purchase date through the pickup date at the dealership, dates that spanned overseas and several administrative steps.As a service member stationed overseas, I expected smoother handling and clear guidance on documentation timelines. I’m concerned about how similar situations could affect others in similar circumstances.
If you’re considering Service Credit Union for a loan or auto financing, I recommend:
- Confirming how proof of insurance should be provided, and whether there’s flexibility for deployed members.
- Requesting written confirmation of any charges (like CPI) and the reasons behind them.
- Asking about a dedicated member service contact for international or deployed members to streamline communication.
This review reflects my personal experience and aims to encourage improvements that would benefit all members, especially service members and overseas customers. If you’ve had a different experience, I’d be glad to hear about it and adjust the feedback accordingly.

I have been with them for 10+ years, getting worse and worse. Poor customer service, a lot of rainbow flag type decorations.

They were just handing out chapsticks in a bucket on the counter for customers to grab. #1 ingredient is a petroleum product, imagine your kid putting that oil on their skin and it going directly into their blood stream.

Company is irresponsible.

SCU was there for me in the past. Not sure what happened…. new management perhaps.

At the end of 2025, Service Federal Credit Union, upgraded their systems to a new platform. The platform itself is more user friendly for account management, the catch is the new bill pay provider is absolute rubbish! I have been trying to get all payments re-organized, as I had most bills being recieved and paid from the portal and all of those services were lost. The new portal makes it impossible for the few providers that will link to keep a connection to receive bills each month to manage them and pay ontime. If your payment has to go out by check it takes two weeks for them to be recieved by the payer which has been a problem. Before the downgrade in bill payment systems, i would have given the 5+ stars. NICE JOB SERVICE CREDIT UNION, now I am considering moving my accounts after 15 years.

I would give it zero stars if I could I tried to set up an account maybe end of November the link wasn't working so it took weeks to make the account I talked to a CS representative and they helped me set it up I did a deposit the deposit never went to the account I called and the rep made it seem like she was helping out me on hold closed the account

I am overseas and been with SCU for 8 years. The last six months, my card keeps getting fraud alerts for no reason, and multiple times per month. I’m constantly having to call this bank, wait forever to get the fraud alert lifted. Right now, I’m traveling in Italy, lost my card and have no cash on me. After 8 phone calls today (a few of them just trying to navigate their ridiculous automated system), 3.5 hours on the phone with customer service, and waiting three hours for a digital card to put on Apple Pay so I can at least eat, the card still declined because of another bogus fraud alert. Then I had to spend another 44 minutes trying to be helped before I was finally able to use the digital card. I hate this credit union. I feel like access to MY money is getting more and more difficult here. As soon as I return, I’m closing all my accounts. I’ve had enough. Beware.

The worst place to put your trust in EVER!! I was hacked twice in less than two weeks and SCU paid one of the four bogus purchases. The other three were not paid by SCU because they say I must show verification to them that I did not make those purchases on my Amazon account. I contacted both Amazon and SCU the moment I found the fraud, and closed the Amazon right away after the second attempt. Amazon will not sent info to SCU because they are not on my account. So I am left to eat my losses, even though SCU is protected, I am not, so beware, If you ever have bogus purchases anywhere, rest assured, you will be treated like you are the criminal. I am 81 yrs old, and never been as insulted as I am over this! I now am with a new bank! FYI thwy were supposed to put the money back in my account right away, but instead are holding on to it against my will. All I can say is SCU are the real crooks! David Araujo President of SCU. Maybe you should look into the shady practices of the people who work for you!
Toni Gee

They changed the location of where I opened an account. It was the same place for 2 decades, now they changed it. WTH They kick you offline even when activly using the website. You would think I am making this up, but I can't. They will have you verify mulitple times for the same thing, at least 4 times on average. I hate this bank

Overseas Service members beware: SCU absolutely GOUGES you (this is the PG version of what they do) on exchange rates. They take several % off the top for themselves every time you convert Dollars to Euro or vice versa - which can add up to **literally thousands** of dollars during a 3-year assignment in Europe. Of course, every financial institution takes a small percentage from currency exchanges, but with SCU it's SO much worse than normal. For example, if you spend 3000 Euro/month (rent, utilities, Euro ATM withdrawals) and SCU takes 2%, that's 60 Euro per month = 720 per year = 2160 Euro during a 3-year assignment!

THE GOOD NEWS: Money transfer services/apps (e.g., Wise) let you pay all your Euro bills using the actual (direct) exchange rate, so Service members can keep their normal US bank, and are no longer stuck using SCU (nor the other popular bank for Service members).

Been charging me extra for "life insurance and disability insurance." For over 2 years... then after I spoke to someone to get get it cancelled they had told me it was good to go. I got charged the following month saying we can't cancel it without a signature on a document. Then the lady over the phone was very rude the entire time. Most unprofessional scam company of them all buyer's beware!!!! STAY AWAY

Absolute schmuck's. Raised my dirtbike loan 4% on April because they don't consider it a motorcycle. Motorcycle rates are 4% better? What a joke. Terrible customer service. Will never use again and neither should you. Lighthouse credit union is much better

I've used SCU for twenty years, they are stodgy, but lately, overseas CS? I'm in India, unable to access my stateside account. I have been on the phone, being vetted twice. I have been given a temp pw, but nope, the log-in wants to send me an OTP, but my phone does not have an international calling plan, so that's a no go. I've been here on the phone now for over 40 minutes, unable to access my account. I do like SCU, and my branch is local, but I cannot rely on it anymore due to inability to reach competent CS.