Financed my car 2 1/3 years ago. FBCU offered the best rate. The website is user friendly allowing me to check payments, balance of loan, accumulated interest. Customer service reps answer any questions promptly . read more

I have banked here since 2005 it is the best bank in odessa tx. I plan to open my 6 year old daughter a kids account here to help her save up for when she goes off to college. read more

If could rate them a zero I would. If you ever have technical issues online, you'll have better luck figuring it out yourself. I have never had so many issues with a bank getting paid for a car payment. No one ever called me back to resolve my issue. They charge a $15 service fee to process a payment when their online services aren't working, and will not work with you to waive it. No follow through with IT. This place is a joke. read more

Got my husbands card blocked from the fraud department or whatever its called and we answered the lady's questions but she was giving us a sassy attitude for "not answering" her question even tho we answered everything she asked read more

Very Disappointed, I have had an account here for years( since 2009) and want to open up another account they run a credit report on your credit and its a hard hit. Ridiculous.... Then today they wanted to hold my deposit for 7 working days, because the check is from an attorney's office they do not know. I have plenty of funds in the account to cover the check. I asked for the check back. The teller responded yelling and condescending "YOU HAVE A NICE DAY!" The funny thing is that I could barely hear her until then. Needless to say I am looking for a new bank and will close all my accounts in the near future. read more

A few months ago I financed a car with this credit union I've had nothing but problems with them since then. When I make a payment they put the money wherever they want despite having clear instructions that it is a car payment. I have to speak with several different people to get it corrected EVERY SINGLE TIME. There's no way I would do business with them again and I'm actively looking to move my account elsewhere. CONSUMER BEWARE!!!! read more

This bank is the worst you have to call then to pay your bills or they won't allow it it is ridiculous I would not refer this bank to any one. Had money fraudulent taken out of my account and they treated me like I was behind it and had to investigate me I was out of town and they took my money from me where I was stuck out of town and they didn't even care. read more

These people...nice enough, but the banking is awful. I've been with them 3 years too long. I've had issues since the beginning, not enough to switch banks, but always enough to want to. UNTIL, my debit card got stolen and $800 got ran up on it and because it was my son (38 year old son) and he knew the pin. Even though he absolutely STOLE it, with a police report with pictures of him at ATM's stealing my money ... they will not reimburse that $800. Needless to say, I am switching banks immediately!!! read more

UPDATE:After going back and forth with them, they FINALLY did right by me. It wasn't ideal but it did mostly help my situation... Still think it could've been handled in a different manner but thanks to Alma, it was taken care of. Because of Alma, I will remain a customer with this bank. ORIGINAL: If I could give ZERO stars, believe me I would!!! If you are looking for a bank to work with you and/or give you DIRECT answers, THIS IS NOT THE BANK FOR THAT!!!! Twice I have gone in for an issue with my loan note and twice I have been given some BS answer instead of the TRUTH! "Family oriented and community friendly" my hind end. Thanks but no thanks, I'll take my business elsewhere! read more

If I could give them zero stars I would this is the worst bank ever. Beware do not bank with them!!! However I am grateful that they helped me get into my Ford Escape which I told them take payments from me when I get paid every two weeks. No they want to take every cent they can get their hands on when it hits your account. Its like you ask them to do something and it goes in one ear and out the other. As soon as I am done paying off my Escape I am going to be making a trip to Odessa tx to close out my account. read more

Never EVER use this credit union.. especially if you live in Lubbock.. it's the most untrustworthy and inconvenient Union I've ever had the displeasure of dealing with.. if you finance your car here and live in Lubbock, you can only pay on Tuesdays and Thursdays in cash.. (that's the only time they are open) a little late on your payment? Well they will make a deal with you, but take it with a grain of salt because they will NOT honor it.. I literally brought in a payment, and after paying we made an agreement to pay the rest that was due for the month in 4 days, and after promising to allow me to pay a little later, my car was repossessed the following morning (14 days late) This is the worst credit union I have ever used.. definitely take your business elsewhere read more

Unethical, fraudulent transactions made by the bank themselves. HORRIBLE customer service not admitting to or apologizing for their mistakes. They even made government agencies scratch their heads at the insane transactions that were made. Their mistakes made my elderly father be in the red with overdrafts, and no help to fix their mistakes, even when going through their own conflict resolution process. read more

If I could give zero stars I would. BEWARE you can't pay loan online or over the phone!!! You have to write a check and mail it or bring it to them, both extremely inconvenient options. I live in Lubbock and the branch is only open 10-3 Tuesday and Thursday. Then when I tried to mail the payment, they claimed they never got it, called me a liar and threatened repo! I have excellent credit and payment history, and have NEVER had an issue like this with another bank, much less have been threatened, and spoken to in that way. If I knew how they did business I would have never let the finance guy at the dealership use them. read more

Definitely avoid this credit union if possible. From not receiving call backs to poor customer service from it's representatives, this credit union is subpar in every aspect. The closest thing to a highlight is a broken phone app that truly deserves 2/5 stars. Save yourself the headache, go with another bank. I will switching over from this nightmare as soon as possible. read more

Worst Credit Union EVER!! Would give them 0 Stars if Possible. Banked with them for nearly 20 yrs. Past well over 8 million dollars through their hands in that time. When I approached them for a small loan for a home project, they claimed to have NO record of me or my accounts. A COMPLETE WASTE of TIME thinking I was helping to establish good Credit or any Credit, since their name clearly states CREDIT UNION, They made me very sorry to have every wasted time with them!! read more

I have been using this credit union for over 20 years. I have gotten several loans and have financed several cars through them. I just set up the payments to be withdrawn from my account when due and it's that easy. I am very happy with this credit union. No need to go anywhere else. Definitely 5 stars read more

absolute worst bank ever. overcharge on everything. charge you overdraft fees when you have money in the bank. worst customer service of any bank i have ever had. they always blame it on their "system" being messed up but who set up the "system"? run run run from this bank! they made me add one star so they would post the rating but fbcu does not deserve even one star! they suck! read more

Do not bank or apply for any kind loans with this bank, horrible customer service unprofessional, I feel bad for their ignorant employees. I guess when hiring they have low standards. read more

Terrible bank. When you log onto ONLINE BANKING not MOBILE BANKING the website is really bizarre. Hard to navigate if you don't know what you're doing. The opening page tells you your dollar amount balance due by and the date. Only it's not the actual amount of the auto loan. I was rushing last month and just clicked on that icon and processed the payment. (I should have been more careful- stopping to read) it was EXACTLY $100 short. Instead of calling me or sending me an email explaining that I hadn't paid the full amount they charged me a late fee for every day I went over (until the next month when I went to make the payment again) when I called to work it out they refused to help me. They hit my credit with 30 days late. Awful customer service- if you have the option to bank elsewhere... do it. read more

Worst bank ever. Holds your money for days on end deposits late. No customer service what so ever. Cant wait to change to a real bank.

They will charge you overdraft fees when you have money in your account. Customer service has only one answer to this and blames it on their flawed system. Supervisor will tell you to opted out of overdraft protection. This will be my second time "opting out". Supervisors Sharon and Donna (will hang up on you) have no solutions to these problems. read more

From what I hear, they are great with personal auto loans. That being said, we are trying the business aspect of it and it has been bad to say the least. We 1st filled out online application a month ago. Since then, we went in on March 23 & spoke to someone from which she took all of our paperwork & information both for the loan & the opening of account which you require. We then tried to get a trailer from business in Odessa from which it was rejected because it was a out of state title. They sell thousands of trailers & he said that was a first he heard of someone not accepting a Kansas title. Ok, fine. We found another trailer with a Texas title but was rejected because it was manufactured in Mexico and the VIN isn't pulling up from what I was told. That guy has a lien on his trailer from a bank institution as we speak so how did he get his financed but we can't? Ok, fine. I now find a trailer that is owned by a guy in Odessa with a title in hand from Texas. Now I am being told that this trailer also won't pull up for VIN check. On top of all this, we had received a message from someone telling us that if we don't get the right paper from the Secretary of State, our account will be closed from which our loan will also be denied. She already has the paper needed, although it is in a different format then she is accustomed to. We have spoken to our lawyer & even called back to the Secretary of States office from which the lady said that you all should know better. That it has the seal on there as well as you all have access to look it up IF needing even more proof other than the official sealed document. We have used the exact paperwork to transfer title, etc..The trailers we are trying to get are scarce right now so we have to jump on them immediately only to be rejected constantly. If you all cannot or will not help us then that is fine but it has already been a month so just say it so we can find a bank that will. This has been a nightmare. read more