I have been a loyal customer for many years, but my most recent experience has been incredibly disappointing. On July 27, I initiated an electronic transfer into my account. The sending institution, Space Coast, confirmed the transfer that same day, meaning the funds have been in this bank's possession ever since. Yet, several days later, I still cannot access my own money because the bank placed an unexplained hold on the transfer. What makes this even more frustrating is that the bank's website does not disclose that incoming electronic transfers are subject to holds. Electronic transfers are verified at the time they are sent and received, so there appears to be no reasonable justification for withholding access to the funds. I contacted corporate and was told the local branch manager would call me back. That promise was made yesterday, and I have still received no call. The lack of communication, transparency, and urgency has been unacceptable. Customers should not have to fight for access to money that has already been verified and received by the bank. After being a long-time customer, I expected far better service and accountability. Unfortunately, this experience has seriously damaged my confidence in this institution. read more

Customer service, too many fees, not explaining anything. The people who are supposed to be customer service, as well as anyone working in their office are all rude and I always get a different response about just about everything. No one is on the same page. read more

There are no employees here. The computer system is broken and there are people everywhere trying to be seen by the people dodging customer service. Time to change banks again. Don't bank here! read more

****do not use this bank**** if i could give zero stars, i would. if i didn't have a personal loan out with this terrible bank, i would close all of my accounts. a block was mistakenly placed on my zelle account through launch. it was figured out until launch refused to send a request to zelle to have it unblocked. simple right?! wrong, launch is flat out saying no. the manager that i was just on the phone with was suppose to transfer me to someone, she hung up instead and they refuse to take the calls from zelle to fix this problem. launch keeps saying that it is not their problem. which is a lie. i had zelle 3way on the phone with them and zelle told them exactly what needs to be done. they are still saying no......no?!?!?!? what do you mean no?! finally got them back on the phone with all 3 of us and they are still refusing to do what is asked by zelle. please do not use this bank - they are trash and the people that work for them are complete idiots. read more

Update: calling Launch headquarters and dealing with a local branch on Merritt island was a huge turnaround from the call center representative I dealt with in the phone. The manager was very helpful there in Getting the right people on the phone to help me out. The small branch at Cape canaveral space force base was also super helpful in getting my card back and kept constant communication in the process. Their manager and staff helped me to feel better about my situation as it shouldn't have happened in the first place and they helped me to see that the one bad apple at the call center shouldn't spoil the bunch. I'd give 0 stars if I can. The reviews here say it all about this branch and this company. I'm 25 years active duty and Their ATM stole my USAA debit card. The business the atm was at said that he Launch credit union atm has done this several times. Called the Launch credit union branch and the female rep told me it must be my bank and my card that had an issue as to why it was taken. I called my bank while Launch was on 3-way and they confirmed there was nothing wrong with my card or account so this is not my fault . As soon as the Launch credit union woman heard that, she hung up from the 3-way call and now I have to pay for a new card and expediting fees. Launch is the worst to deal with. No accountability. read more

Very unprofessional people I told them to dispute things and they didn't I had to call a number up I put my sons money in a annuity not knowing they charge so much every time you ask for your money back then I got refused of opening another account because others back office always asking questions why this why that I wish I never opened it up I wish I just opened something with the military read more

I'd love to know how a credit score of 826, $32,000 CASH for a down payment and $1300 in 13 months saved to 1st time homebuyer account wasn't enough to get a mortgage approval. These people either only help poor people or wealthy people because I consider me and my wife as middle class as it gets and anywhere else in the country could have gotten us a loan! We are glad the turned us away, we are considering moving all assets and considering leaving Florida. Don't advertise Home Mortgages if you don't want to help the middle class in your community! read more

DO NOT USE THIS COMPANY. They do not care if you have an unexpected financial struggle. They WILL NOT work with you. It is you pay the loan or we take your home. I tried explaining I am trying and they just dont care. I had an unexpected $2,500+ vet bill from an accident with my dog and again they were not willing to work with me. read more

I am posting for my mother. I received hostile response to wanting to discontinue the process of an auto loan. I received a call from a Brandon from Launch Credit Union asking for me to provide further documentation to continue the loan process. After calling his extension (which he provided), I informed him that I do not plan to continue the process, he paused and said "but, what is going?" - with an attitude. Rather than being concerned, he sounded displeased and with an attitude. Instead of taking no for an answer, Brandon was rude and would not take no for an answer. I've been a longtime member of Launch Credit Union and I am displeased with the lack of customer service and concern from its employees. I hope things change for the better. Thank you. read more

Worst Bank I have ever dealt with. Because of them I have had my credit hit because of their terrible security. They locked my account for almost a week and I could not pay my bills. What happened was they had a ACH agreement with Spectrum who kept making unauthorized withdraws from my account. they said the only way they could fix it was to give me a new ACH# well it took longer than expected so by the time I got my access back I was 2 days late on a KOHLS payment, whom which sent a letter to the credit bureau and sent my 791 credit score to a whooping 720. and that is just the beginning. their online web application terrible. I has given me lagged account info on transfers, bill payments etc.. If you are a dummy bank with them... the straw that broke the camels back was I needed to apply for a credit card so I log in a wow they had an online form so I'm like cool let's do this.. NOT!!! 5 times I went through their form and every time they gave me a we are sorry we are having technical Issues. They also have the dimmest marketing department I have ever experienced. For months they keep calling me almost daily trying to convince me to change my truck loan to them. I'm like people!!! I have a ZERO PERCENT interest rate (0%) what you are going to do give me a (-1%) RATE??? idiots. Today I finally had enough and went to Space Coast Federal Credit Union.. OMG it was so Easy I mean they were polite, accurate and quick. Their mobile app worked seamlessly. Now I reached out to Launch with everything with a pretty scathing email the response form email. so the only thing launch can do it launch stupidity!!! the form letter I attached to the email. go ahead do business with these incompetent bankers, when they crash your credit or put you in a financial bind you will think Damn I wish I would have listened to John! read more

Launch Credit Union - Banks & Credit Unions Near Me - Merritt Island, Florida

Hidden rules they use to void 0% for a year. They take advantage of the fact that no one reads every detail and assumes it works like normal payment loans. Be careful and do business with someone more reputable. SCAM artists. read more

Not happy with restrictive policies on transfers. After selling my home and depositing the equity into my launch account, I was restricted to $5000 max transfer, per month, to my other accounts! They wanted me to wire funds to several accounts and incur additional fees. This makes absolutely no sense as it would take over 8 YEARS to make transfers within Launch policy. That is absurd! I'll be writing a check to open an account elsewhere. read more

I don't trust this bank with my money at all!!! I tried to transfer money from this account to another. After 5 days never happened. Had to drive an hour to personally withdraw MY MONEY! read more

This bank is crocked! While telling us to "look for another vehicle" to replace the lemon they financed! In 1 month they lowered my partners credit score 113pts (no that's not a typo 113 points), because of fact they told us "not to worry about this one find another truck!" they knew the lemon we were sold was a lemon from day one (I kept them well informed of the situation). The truck was for work but couldn't just drive it, due to the fact it was breaking transmissions! So because we did what we were told not only were they trying to repo the broken truck they were hitting our credit left and right! Even convinced us to apply for another loan to get out of this one the denied us and put us on delinquent status instead! They're not professional at all and from what I've read on other review pages they're not new to this! Don't do anything with these people they should be locked up! read more

I wish I could give them a negative review. I am Soldier and deployed multiple times. They charged me 5 dollars a month for a "wrong address" went into correct it and the option was enabled. Then once that was fixed they began to charge me 5 dollars a month for "inactivity" insane! Then I went to transfer MY MONEY into Navy Federal and they declined my transfers?????? I am trying to close my bank account and can only do so if the money has been transferred. This is ROBBERY! GIVE ME MY MONEY. It's mine. I worked for it. read more

Don't give them your money they won't give it back! I've had an account with launch for years with no issues I've stayed in good standing with no late or overdraft fees and now I need to pull some of my money out to pay my rent bill they won't allow me to pull out the amount I need even though it's my money and I'm the one who deposited it in one of their accounts I'm going to be late on my rent payment because they're holding my money from me. Terrible business hours and terrible service I will be closing all accounts and switching banks whenever one of their employees can be bothered to do their job -1/10 stars read more

Having been a loyal customer of this bank when it was Kennedy space Center credit union And for the past 16 years, I now have to move to another bank. I can no longer afford their mistakes, poor customer relations and being locked out of my account routinely on Friday after they are closed. When I call on Monday, they say everything is fine but that does me no good to check my accounts over the weekend. Stay away from this credit union ... it is horrible! read more

Launch Federal Credit Union - 2200 N Wickham Rd. I went into the credit Union on Friday. No other customers inside the bank right at 2PM after lunch. I noticed The drive thru teller was diligently working and speaking with customers. My wife and I stood inline for 5 minutes and after 5 minutes I casually waved at the tellers and one of the two told me sarcastically that she was busy. So, I decided to sign in and try to speak with someone else that was a bit smooother. After signing in we waited about 15 minutes and a manager come out and told us someone would be right out to help us. We were sitting down on the couch and noticed four people in the teller line now. So after about 15 minutes, the manager came out again and told everyone that someone would be out to help us. I noticed the two tellers still sitting and chatting while occasionally looking up and not particularly busy with anything or assisting. So after about 40 minutes, someone came out of one of the offices and give us a hand. This person possibly looked like she was training a new employee and was not very thrilled to help us out. I asked a couple of questions and didn't get a solid answer. Answers were really very generic and not helpful at all. I'm seriously considering closing my accounts and going somewhere else. I have been with Launch FCU for at Least 25 years it seems. It was called Kennedy Space Center FCU when I joined. read more

I would like to say as a member for 24 years this a premium credit union and we have had every service from mortgage to IRAs to vehicle loans, we have received excellent service and rates and anytime we have problems or concerns the team was on it. This is our credit union. Thanks we will continue to do business there. read more

Absolutely the worst costumer service. Closed my account after being on hold for 45 minutes to ask a simple question. DO NOT USE THIS BANK!!!!!! read more

So I was tricked into sending a fake check into my bank account to be forwarded to a charity. I sent the PHYSICAL copy of the check to the bank, they cleared it immediately (they did not clear my grandmother's check right away even with my last name on it). I transferred the funds requested of me and days later the check was taken out of my account! It was a fraudulent check. The police say that scammers can pull the check out up to 3 weeks after deposit. How does this bank protect it's customers? Launch Federal Credit Union is not offering to refund me the $3540.00 lost. They said that I have "outstanding credit" and so they put the funds into my account "with good faith" and it reflected that the check had cleared right away. SO I TRANSFERRED THE MONEY. Which was my money, and I didn't know, because LAUNCH FEDERAL CREDIT UNION TOLD ME THAT THE CHECK HAD ALREADY CLEARED AND REFLECTED IN MY ACCOUNT. I feel like I am being punished for having outstanding credit and being a good customer. My mother switched from this credit union because they completely fucked her over too. They basically told me the only way to get my money back is to take the Russian hackers to court. Don't waste your time with this shitty bank. They will not protect you at all. read more

My son received a check in the mail from lfcu a month after his father passed away. Because of the timing of the check, he assumed it was money that was left over after his father"s passing. He deposited that check into his personal checking account. It was a bogus check sent by scammers!!!!!!! His bank told him to take his business elsewhere. With all that he is going through following his father's passing, now he has one more thing to worry about. Please be aware should you receive any check from them. They are presently being reported to the authorities. SCAMMERS !!!!!!!!!!!!!!!!!!!!!!!!!!!!!! read more

I have been a member for over 12 years and 5 years ago I would have gave them a 5/5 but after moving out of Brevard County it has been a nightmare trying to get anything done with my account. They want me to visit a branch location to do anything.. This means a 45 min drive. On top of that, I recently found out my debit card number and pin number was stolen and used to rack up close to $1000 in sequential transactions in a Walmart way down in Cape Coral Florida. I was shocked to find out that this was not flagged as suspicious activity by the bank, considering I have never been to Cape Coral Florida, there were transactions in Orlando the same day and I never use my debit pin number to make purchases (in fact I don't even know what it is as I have never used it!).. In the past they have locked my card for much less suspicious things (like valid $10 - $20 online purchases). Why not in this circumstance? The icing on the cake is they are refusing to refund me back for the fraudulent charges! 60 days is the limit at LFCU/KSFCU (good luck finding this anywhere on there website). So much for a bank doing it just what it is suppose to do and protecting its members money.. I could not even get any help from their customer service in terms of what to do next, other then them telling me I was out of luck. If you are a member watch out and be alert. This will be the last straw for me. I will be looking at other places to do my banking, I work far to hard for my money to put it at risk again. read more

BEWARE. There is NO customer service anymore. There phone lines have been cut off, presumably to force us into automation. Terrible! The phones have been off for days with no way to talk to them. AND, while traveling across CANADA they put a hold on my card. Without phone service I have to find a phone for an international call to call Florida so I could have access to my money. TERRIBLE. read more

Poor, poor customer service regardless of account balances and being a member since I was a child. In my 6+ years using the drive-thru, I've never once been greeted before I've sent in my transaction. When seeing someone inside and you're told they'll follow up, you never receive a call. Majority of the employees seem as though they hate their job and interacting with the public. No one smiles or seems fully engaged. I've worked in the financial industry with two other institutions since graduating college in 2010 and the way Launch, formerly KSCFCU, conducts its retail side is like no other. Unfortunately, it's for the worst. read more

Their fraud alert contacted me immediately after opening on M9nday morning catching 2 charges to my credit union Visa from overseas both over $300. Automated system pronounces each detail charge very easy to use. Not on hold, old card stopped new card issued to be mailed in less than 3 minutes on phone. Grateful for catch. read more

We have been with Launch for almost 2 years now. We have had a good relationship with them. They have worked digently to get our high interest loans refinanced saving us money in the long run. Daniel Definnis in the Palm Bay branch kept us in the loop. We not only got out loans refinanced we were even approved for their low interest credit card. Mind you we have less than perfect credit. They are about keeping the member satisfied. Thank you Launch! read more

I have been a member of Launch for the last 3 years. I have nothing but good things to say about Them. Ever since I moved into Brevard County & I joined it has been a good experience. They have now financed my Mortgage. The were friendly , helpful & informative thru the whole process.. Launch had great rates & easy closing. We are very happy to be Launch Members. I have not had any issues with online banking.. Works fine for me. read more

I have been banking with Launch (previously Kennedy) federal credit union for 15 years. This summer there has only been one teller at the South Daytona Branch every time I go in. Either morning, afternoon or late afternoon. Very long lines. I think that broke the camels back was when a customer stated to an employee that the lines were too long and only one teller available the employee stated: "we are hiring if you wish to apply". Wow not professional at all. Will be switching very soon. Extremely disappointed. read more

Responding to an Adverse Action Notice Received May 8, 2017, on what appears to be an illegal loan application action taken. To be specific, I did not request or approve any loan application with Launch Federal Credit Union. I refuse the offer given. Besides this request, I am advising all authorities involved in this "denial". I don't need Launch Credit Union OR Connecticut Home Mortgage/Department of Banking. I was approved, given the amount I wanted, by another who was happy to tend to my business and vehicle purchase. What this notice states is appalling, showing me Launch is not the "friendly helpful" credit union it advertises. The principal reason, marked, is pathetic: "Insufficient number of credit references provided". I see where Launch Credit Union loses any possible business, by putting on such tight "blinders". You do NOT know me, simply using "guidelines and restrictions", LAME PATHETIC EXCUSES: "Key Factors that adversely effected your credit score" "LACK OF RECENT INSTALLMENT LOAN INFORMATION TIME SINCE MOST RECENT ACCOUNT IS TOO SHORT LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED...disagree TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED" ??? disagree These are "scare tactics", EXCUSES LOAN COMPANIES TRY TO RULE PEOPLE with. You/loan companies want people in debt -not people who pay off debt -being part of the financial nightmare money pit. "Our credit decision was based in whole or in part on information obtained in a report from a consumer reporting agency listed below:" Equifax...manipulating the usage of scores given by a "consumer agency". Launch, along with a few other companies, had no right to be running an unauthorized credit check on me, lowering my FICO/Credit Score. I know what my credit reports say. It doesn't matter, knowing I can get what I want...without LAUNCH CREDIT UNTION or CONNECTICUT HOME MORTGAGE. I hold the letter which shows a 819 FICO score, being very proud of the decisions I made with my funds and financing...MY choice of being debt FREE, at that point. MANY cannot state this, having this score. I know how to stand and fight for what I believe is right. I plan on making copies of the Adverse Action Notice, along with my letter, and sending it in to proper authorities. I believe there are more ways than one to find what I want and succeed at business. I see how Launch operates, from past business I tried to accomplish and disagree. The way Launch Credit Union handled me was unacceptable and has lost any future business with me, let alone any referrals. Thank you for reminding me, again, the UNhelpful rules and regulations you go by. read more

I have been a customer of this credit union for years. My husband and I have a joint checking account and a savings account. I recently attempted to rent a safe deposit box and was told I could not because my name was not first on the account. I questioned the teller as I thought joint meant joint. I can go into this credit union and withdraw thousands of dollars of our money any time I want but I can't rent us a $35.00 safe deposit box. I also inquired as to who decided that my husband was first on the account. I was told that we must have determined that when we opened our accounts. See you later Launch Credit Union, I will take my $200,000 elsewhere! read more

This bank has some of the rudest & unfriendliest tellers I have ever encountered. I don't think any of them ever smile and I can't remember hearing any of them offer a friendly greeting or even a thank you, Think its about time to find another bank that appreciates their customers. If you value customer service and like to be treated respectfully, avoid this location read more

Horrible call center customer service. Very rude!

I used to work for this credit union back when it was KSCFCU, and have been a member for 20 years; Just the past year I've noticed that the customer service has drastically declined since changing to Launch FCU and they've shut down my Suntree Branch. Now they've "Upgraded" their online banking website and it's nothing short of a joke! I can no longer recommend this credit union to others like I used to. I'm very sad, I loved my credit union and am a true advocate of not for profit institutions, but not so much this one anymore :( read more

I'm writing this review because in regards to the Love of my life that got fired on Friday April 12th from the Launch Federal C.U. after almost 13 years of faithful work. I am deeply sadden that this happen and she didn't deserve this treatment. I have been a member at the credit union for almost 40 years and have finance over 20 vehicles with you all. In the near future I will be terminating my account and moving to the community credit union. The launch credit union went to a new system and a lot of members are complaining about how it does not work good at all and how its affecting their banking life. Its not fair what you did to the love of my life. All the members that came in for her service love her so much and would wait in line for her to serve them. She was the light of the Rockledge branch with her smile and dressed to kill every day. everyone love her so much. You all made a very bad decision to let her go. read more

Great credit union. I wouldn't even dream of going anywhere else. The staff is always courteous and you can tell that they really care about your financial well-being. They were even able to save me some money on my auto loan, which is money back in my pocket. I will definitely be using Launch for all of my future lending needs. read more

I have been a Launch (KSC) credit card customer for over 35 years. I have increasingly had significant issues with my credit card being declined. I have always notified Launch of the dates & locations anytime I travel. Nevertheless the card is usually rejected, and normally on a weekend when they're closed or in a location where I can't contact Launch. Several times I have had to use my wife's credit card which always works. The root cause is the very restrictive contract Launch has with the screening contractor to protect their assets. This pretty much makes' the credit card useless for travel. However my debit card always works anywhere in the world to make purchases or get cash from an ATM. launch is not responsible for fraud losses on the debit card tied to your checking account. I have recently obtained a credit card with another organization. If this card proves reliable I will close my Launch account & go elsewhere read more

As stated before many of us tend to make only bad reviews but I'm pretty fair and also give good reviews where it is warranted. I agree with Barbara, their employees seem angry all of the time. It's like they are always having a bad day. I'm carrying a decent amount in my savings account and am constantly treated like crap. (I do plan to leave ASAP, when I find the time as it takes time and I'm sure it will be a hassle like most transactions there are.) I swear they invent reasons to make you miserable before you leave so you will fell like them, lol. I use the MI branch and in the three years I've been there, it's not been a pleasant experience at all. I just have not made it a priority to make the change with 50-60 hours of work, a 20 hours a week commute , school part time, and raising a child alone times is scarce but it's working it's way up on the list. Regardless of the amount in ones account and mine is a good amount, we should at least be greeted with a smile, come on is that too much to ask but it's just a grumble of what they need to see before you can even open your purse. And why do they constantly place holds on checks when your balance could triple the amount of the check and they are not even nice about it. I just squirm at the thought of having to go there and going in, yikes. I put it off and even send my older daughter if I can, she also comes back with the same comments on how mean and miserable they are. If it's in Daytona too it sure make one wonder what the heck goes on for these employees or is it some kind of weird policy to be mean, grumpy and sometimes down right disrespectful to the clients. I just don't get it! I really hope they see these and put smily masks on all their employees. read more

The NASA KSC Headquarter branch is a joke. I went few days ago to have some questions answered, and there was a women there that was completely unrespectful. She even laughed at me while looking at her coworkers, like I was some kind of moron for asking the questions. I'm a latino, so maybe that was what she didn't like... but listen, I spoke TWO languages, so while she is making fun of me for being inferior or whatever is that she think gives her a right to treat me like trash, I do manage to deal with people like you, in a language that is not my native. I am a professional with various graduate degrees (two masters) and on my way to a Ph.D., probably way more than she had for her teller job, so I don't expect her to be the "queen of manners" but I do expect to be at least be treated with some respect. Don't know what her name was but she's the one with long hair, very blonde and blue eyes old woman. read more

The love is lost. I have been a member of this place since 2005 when it was known as Kennedy. I was recommended to join back then by a sales person at a used car lot for people with poor credit. I found it remarkable how this credit union opened its vault to me, and gave me no hassle loans over the years -all of which were paid right on time always. Must have had a dozen loans with them over the years. My credit with the bureaus grew strong and likewise, my Beacon score. So good,in fact, I was able to buy a home in 2012. It was around that time that I noticed a souring of the personalities of the staff members at my branch office. I'm beginning to think it had a lot to do with a change to the hierarchy at the main office in Merritt Island, FL. After paying a dozen or so loans off as agreed, with absolutely no problems, I applied for another auto loan in 2013, and this time it was completely different. I was treated with great disregard, bordering on belligerence. Due to the timing, I can only assume that this new aggressive posture is a result of the new management style of Joe Mirachi, it's current CEO, selected in July 2012. I've had recent incidences of unjustified late fees that were later excused. In 2014 I won a court settlement, and after research, deposited the proceeds into a savings account at Insight Credit Union. I met with the people at the branch, and they are all knowledgeable and possess great "people" skills. What a pleasure! I am in the process of closing my Checking at Launch, afterwich, I will have Insight payoff my current car loan with them. Then I'll make a new car loan with Insight. My new checking account is with Insight as well. I am doing whatever I can to eliminate Launch Credit Union from my life. You should too. In a credit union you're supposed to be a shareholder, and should be treated accordingly. Who needs the hassle and stress? At Launch Credit Union, they need to learn......it's nice to be important, but more important to be nice. read more