I got a mortgage with them. The whole process they couldn't be less communicative. They kept…read morepassing my application off to someone else, had three diffent people and then ended up back with the first person. They sent the disclosure before they were done with it and never sent over the updated version because, and this is an exact quote "we aren't required to". Took three voicemails (never returned) and two ignored emails to finally get ahold of them to tell me how much I was actually supposed to bring to the closing. Just use quicken or really anybody else

Unexpected Account Closure and Loan Reversal After Providing Proof…read more I applied for a $5,000 personal loan with Rhinebeck Bank. The first application was denied for "not enough credit history." I then provided proof of a paid-off auto loan that Rhinebeck Bank had issued to me in the past, which they confirmed existed in their system (but was not showing on my credit report). After I provided proof of the paid-off loan, my application was approved with set terms. The next day, the bank reversed the decision and denied the same loan due to "misrepresentations" -- even though the bank acknowledged that the payment history they saw came from a third-party credit company, not from me. Shortly after, the bank closed the checking account I had just opened and sent a cease-and-desist letter. I was never accused of creating false documents -- only that the bank received them from another company. Based on my experience, I feel the bank handled the situation without clear communication or fairness. I would recommend anyone applying for loans here to document every step, because decisions can change suddenly without a clear explanation.

i enjoy banking at HVCU, and judging by the cars in the lot on any day so do a lot of other people…read more As a member I am always greeted at the entrance and my questions are always answered in a friendly way. The tellers have never made a transaction mistake and information from HVCU always comes in a timely matter. I am notified when suspicious activity is suspected. I do alot of online banking and found the bill pay service easy to use. HVCU is great.

Before the previous executive leadership in the M. Madden & Co era lost their way in customer…read moreservice and focus, this was a top, local CU. But unfortunately, even the new executive leadership can't seem to fix the "fee based" services for this member cooperative. Just zero accountability, and really poor service. As another commentator reviewed, "still just a train wreck," with the lack of experienced bankers, and not to sound like a broken record, employees that are customer focused.

If I could give them zero I would. Their communication was horrendous. They never followed through…read morewith things. Use a different company if possible!

From the owner: Chuck Schwab started a stock brokerage company with a simple question: isn't there a better way?…read moreThat question led to the establishment of a new kind of investment firm - with a more contemporary approach to wealth management based on a set of core values and beliefs, not just profits and losses. These core beliefs have led to 40+ years of serving clients, innovating on their behalf, and developing brokerage products and financial services that put them - not us - first. At Schwab, we offer a wide range of wealth management services, personalized financial advising and retirement planning, and expert investment research, as well as a number of complimentary workshops covering everything from investing essentials to complex trading strategies. Brokerage Products: Not FDIC Insured - No Bank Guarantee - May Lose Value