I paid off a $16,000 loan ahead of time, never late. Applied for a $7,000 loan for another motorcycle, denied because they could not run my credit information because of an issue with Expedia, the company they use to get your credit score. The woman who called me did not offer any help as to resolving the issue. Just bluntly told me no. I called my bank of 35 years, Wells Fargo. Got a guy on the phone who had knowledge of these kind of issues. He made a couple of calls and got my problem resolved. read more

Everytime its important they flag my card and my card is declined. They have been told not to do this AT ALL but they keep doing it. I have found no good bank out of any i have ever used, they all seem to hold me and my money hostage. This time i cant get my car back from mechanics shop for their bullshit. What use are banks at fing all when they hold you hostage!? read more

Watch out for these greedy a**holes. I mistakenly wrote a check for .20 cents less than the amount of my auto loan and they hit me with a $15 dollar late fee. Tried going through customer service and they said there was nothing they could do, but would happily take my payment for the late fee if I was ready. Definitely will never bank with them read more

It's very rare for me to go to the branch these days. While I was in the area I figured I'd maybe get some cash from my account. I walked inside and immediately was told I needed to remove my prescription glasses and hat. I inquired why to be told it was for "security measures". I mentioned how my glasses were transitioned lenses and how I need them to see. They didn't seem to care and asked me to remove them. I said no because it seemed excessive considering I'd been a client for several years. I denied their request to remove my glasses. As soon as I walked up to the available teller another gentleman was asking me the same request before I could even hand my debit card or get my balance. I was deeply offended and quite frankly disappointed by the way I was treated. I felt discriminated by the staff. They treated me like I was a street criminal. I'd never felt so discriminated against. I told the staff "I guess I'll have to close my account. Sure enough that same day I did and when I returned to the branch. The staff at the front only asked me to remove my glasses which at that point I obliged only because I was ready to close the account. After years of loyalty it became quite clear that they clearly do not appreciate their members business and are very discriminating/ judgemental on their client's appearances. That was the last strike for me so adios Nuscenda! I'll be taking my business elsewhere where I won't be discriminated against! read more

First off, someone took our appointment time and we had to wait a very long time and then they keep changing their story on what you can and can't do. Truly the worst bank read more

US Bank was the first bank to divest from gas/oil pipelines, and is truly a helpful bank. When I was struggling to get by on a teacher's salary with my child, Nusenda told me to get lost (in so many words). They refused to give me a consolidation loan, and offered no guidance except the word 'no'. Now US Bank is wonderful and an ally to me when I need it. Nusenda talks a nice program, but I would go with a bank that earns it. read more

Horrible. Worst service I have ever received from a bank or credit union. Employees were rude. I didn't receive statements in the mail for months after my new car loan was sent there. I had to keep asking and asking, and finally 6 months later, the first one arrived. I setup automatic payments, which they "forgot" to withdraw and nobody bothered to contact me for 90 days or 3 months, then tried to blame me for what they messed up. Lines are always long. Feels like going to wait in the cashier's line at Wal-Mart. I don't understand the benefits that this credit union offers its members and customers. They caused me more headaches than anything else. Bank of America was more customer centric, if that says anything! read more

They are the worst to work with. They don't even know what information they have of yours and ask for it multiple times. Kind of scary that a bank doesn't know that you already turned into them and is asking for it again. To be honest, this place is a joke. They don't know anything about loans they can never answer questions. They keep putting you on hold for 20 minutes to find out a simple yes or no answer. Do not get a loan through this bank. Maybe the other locations are good, but this is the first time I've used this location bank and they have been absolutely horrible. read more

There are several locations closer to me but this is one of their main branch locations. Unlike the ones closer to me they are actually open on Saturdays with a shortened hours of operation of course. Of course I run into lines here, but whats a bank with no lines anyhow? A bank that is not regularly used I would presume. Not a bank I would be quick to become a member at! That being said, I never wait long in line here, they always manage to get me in and out and on my way. I also came here to inquire and get an auto loan. I had a great experience. I did kind of work with two people throughout the complete process but I was kept well in the loop and informed which helped the transaction seem much less daunting than it can be known to be. All the staff at this location are friendly and helpful. read more

This is why people don't trust banks. I had money sitting in a savings account for a while. Didn't see a need to do anything with it, so, I left it in there. It wasn't just a few hundred dollars either. After a while, they started charging me a monthly $5 dormant fee. No notification, I found it by checking the balance recently. Pulling my money out and will never do business here again. read more

Convenient location and heat service! Staff is very friendly and welcoming. Very helpful and easy transactions! read more

We have banked with Nusenda for over 20 years. Currently out of state and still banking with them. This review applies to the MORTGAGE arm of the CU only. We decided to buy a small property in NM and thought going through our longtime financial institution would expedite and simplify the process. Wrong! Error after error, unreturned phone calls and emails, including two messages left for Angela Muxworthy, the president of the mortgage corporation of Nusenda. We sent and resent multiple documents. We were charged fees that Nusenda did not disclose in advance - perhaps illegally? Our credit scores are excellent, and Nusenda has most of our history inhouse, we have had auto loans paid off early through them. The closing date was moved back ten days - Nusenda wanted even longer but we pushed - causing the seller to want to trash the deal. Cecelia was the only bright spot in this whole transaction. This has been painful, time consuming, and inconvenient. We are actively considering finding a new bank, and sadly cannot recommend Nusenda to anyone for mortgages. read more

We've been members here since 1980, which says a lot. Over the years, we tried setting up business accounts at other banks. Most of them are gone now and the others were just too annoying or expensive to deal with, so we've been back with our business and personal accounts for a long time. Their online access has been great and personal service at the Juan Tabo branch has been excellent. The only problems we had were with foreign transactions, but those are rare these days (and I believe them to be more on top of these things now). We've been quite satisfied working with them. read more

We joined Nusenda and within a week was charged over $80 in fees. I called and they agreed it was an error and said they would fix it, they didn't. Had to call a second time and the same guy lied to me about saying they would fix it. Had to speak to a mgr and have him listen to the recorded conversation to convince him. Huge waste of time, both men tried their best to not give us our own money back. Beware!!!!! read more

If you ever decide to payoff an auto loan with Nusenda, there's a few things you should be prepared for. Don't have the dealership send a company check for payoff. Instead get a cashiers check. Nusenda will make you wait a long time for the dealership to receive the title after being paid off. Last month my husband found a nice truck at the dealership I work for. My boss chose to pay it off, due to other local dealer ship not wanting to cut a check for payoff to be able to use some for the down payment. The company Fed Exd the payoff check to Nusenda. The agent that spoke with my husband and boss stated that as soon as the payoff clears, the title would be released. Not so!! This transaction took place 1/18/22, today is 2/24 and still no title from Nusenda. My husband has spoken with Nusenda several times and has reminded them of their promises and the excuse they give is that they have to do as instructed by the bosses. Kinda funny, they cashed the check the day they received it and the next day put the difference (of what was owed for payoff to what it was the day they cashed the check) into my husband's savings account. But told my boss that the check hadn't been cashed and instead was credited to someone else's bank account and that the vehicle was NOT paid off. The agent finally found where it was credited and said she would have to ask her boss to reverse the transaction. Just too many stories and lies from Nusenda. After all the waiting and BS my husband has decided to go in to close his accounts with Nusenda.Stating that if this is how they treat people, then he would not be comfortable doing any other transactions with Nusenda. Just be careful who you trust to handle your financial situation. read more

Six months ago, Nusenda, with whom I have been banking for several years, turned me down for a car loan at 4.3% interest because I didn't have any "active" credit. I had to go with dealer financing at 13% in order to get a car. Figuring that, if I wanted to try and get Nusenda to help me refinance my car after the New Year, I should probably apply for a credit card so that I would have "active" credit to show them when the time came. I applied yesterday; the answer came back a hard "NO". Apparently, I am carrying too much debt to be a safe credit risk -- the only debt I have is the f*cking car loan that they refused to help with back in May. I asked to speak to a manager, and got some jackhole at the "call center" who told me that he was doing me a favor by refusing me, as it was obvious that I can't be trusted with money (my credit score is 697). I called the Albuquerque Uptown branch and talked to the manager THERE. He called me Eugene through a 25 minute conversation, and acted put off when I corrected him that my name is ERNEST. He promised to call me before end of business on 10-30-18, and let me know what he was able to do for me... I am still waiting for that call. In short, they don't make any real effort to help their customers, or even bother to know our names. And all of their talk about helping with money management is just words. They "manage" your deposits into their investment portfolio, but how DARE you ask to get a little back. I am actively shopping for another financial institution. read more

You know what's fun? When you buy a car, and NMEFCU buys your loan. You know what's even cooler? When you can't access your loan, because they have you down as a male. Not only, is this something they can't fix any other way than you taking time out of your day to make it to a branch location to talk to someone, but you literally can not access your loan account until you do so. So, who needs to make loan payments when you're all of a sudden a male, and you all of a sudden need a sex change to pay your freaking bills? I will never, ever, ever open a checking account here if they can overlook details, like what gender I am. I hate you NMEDCU, I hate you so much. read more

I recently and personally went into my branch that I've been with for several years and brought in a check that I had been given and signed over from my mother-in-law. It was only after several days that I found out that nusenda had decided they didn't like the signature on the check and kicked it back and charged me a fee for it. What I find surprising is that other banks say that they would have held onto the check until they had gotten a hold of me which Nusenda did not do. The other banks were surprised that the teller noticed nothing at the time even spending time to chat about The Power of Change program. All Nusenda did was send a letter which still after 4 days has not reached me. Other banks say they would have held it and waited until they had gotten a hold of me to find out or to check more deeply to see if the check was all right. Wells Fargo whom the check originated from said that there was nothing wrong with the signature at all. I understand now why through reviews that nusenda only gets a three out of five For for most local banks? I Will be pulling all my money from my accounts and canceling the refinance I was going to do through Nusenda for my home. Nusenda has proven why they only rate a three out of 5 among the banks here in Albuquerque and New Mexico. It is a shame that after several years and bringing the check in personally that they show their mistrust in me and that is what it boils down to. They are just another uncaring bank disguised as a personable credit union. Appalling customer care from this institution. read more

Incredible service! Very quick and easy every time. I always get what I need done within 10 minutes. I hate going to the bank, but this nusenda location makes everything so fast and easy! read more

This I'm my honest opinion has to be the worst bank in the history of financial institutions. I've had nothing but trouble with this bank and have never got a straight answer as to why I don't have access to my money. It's a run around game each and every time I try to get clarification as to where my money is at and how come I can't access it. If you're a small business thinking about doing your banking there, PLEASE THINK AGAIN! Bank at your on peril! Worst bank EVER!! read more

This bank has lost its value for members. It required Hard credit checks to open second checking accounts, and you are forced to open a second savings account. They require you give them $30.00 to finish the process. They will not refund any fees and if they do it's about half. No matter if your in good standing. They only have two branches with shared branching options. I'd stay away from this bank and use Sandia Area Cu or even one of the big Guys like Wells Fargo. Do not bank here. read more

the worst lender ever. unjustly destroyed my credit after paying extra on every single car payment for the past three years. i did that on purpose to make sure my credit was perfect. they have harmed me more than i could have imagined. i work my butt off and pay my bills on time. eric, the supervisor, does not care at all about his customers, the very people that keep the bank alive and pay his salary. i'd think about this if i were in his shoes. i would never recommend this financial institution to anyone. now i have a big battle ahead of me. he also lied about saying he called me to inform me about the late payment. i have no history on my phone of this so on top of having no soul, not having any compassioon whatsoever on the phone with me, he is a liar. also refused to send me the letter i asked for regarding what he sent to the credit bureau. totally heartless and unprofessional. read more

I stopped by my regular branch by Coronado Mall. I went in to the branch to discuss a situation with my Mortgage. After waiting for a bit I was then taken to an office to speak to Jeanette my assigned banker. From there the service was horrible. She could not answer any questions regarding my mortgage. She was playing the role of a middle person and communicating with someone in the mortgage department at another branch. She was rude and could not even answer my simplest of questions. A request to speak to the branch manager resulted in a frustrating attempt to get even simple questions answered. If you do not have the ability to properly service your customers - DO NOT WASTE THEIR TIME. My time is equally as valuable as yours. read more

I have banked here for at least 8 years if not longer. They were great when they were NMEFCU. However, since the credit union became Nusenda, it has not been the greatest. For the most part when I go into the credit union most of the people are nice. However, as of late, their fees are absolutely ridiculous. It's funny when you call and hear they don't charge for silly fees as they are actually charging for the silly fees. They then act like you are stupid and try to explain why they change the fees. They also blame the restaurants for the fees saying the restaurants charge your account twice. $93 in fees for the restaurant "charging me twice." I had the money in my account but according to Nusenda and their trumped up charges I did not. Plus I asked the restaurant I had been to how they charged and they said they didn't ever charge twice. And other banks don't do that other. This credit union is a sham. Go elsewhere. Update: I opened an account elsewhere but I am still waiting for items to clear. I deposited a check on Monday through the mobile app and, shocker a hold was put on the check because of the previously mentioned overdrafts. So, good ol' Nusenda charged me another $62.00 in fees. I called the phone bank and didn't get a viable answer about any of it. The lady was kind and even though I didn't want to talk to a manager she put me on hold to talk to one. After too long of a wait, I hung up. I will attempt to go in to talk to someone but I don't have much hope any of it will be resolved. $155 in fees in less than a week. Some "Power of We"! The worse thing is, they blame the customer! Go elsewhere! read more

An update to this issue. Rob Hoover, assistant VP of Nusenda contacted me, and was able to restore the funds along with overdraft fees. So for that I appreciate his prompt action after recieving the review of my dissatisfaction. That helped me to worry less about things and I appreciate that he was able to help me thru this issue. I do hope that he helps his assistants understand that when a client is wronged that they should not just give words of reassurance that they are they to help their customers but that they take the next step and follow thru. Thank You again Rob for helping me. read more

It is EXTREMELY PAINFUL doing business with Nusenda. Stay away at all costs! I got a vehicle loan from them indirectly through a local car dealership. When attempting to make my first payment, their awful online system would not allow me to login or create an online account and I had to phone them to get my "member number"... After waiting on hold for over 15 minutes and finally getting the member number, I couldn't immediately set up an ACH money transfer like I can do with dozens of other companies. They force a multi-day verification process that is antiquated in today's immediate electronic life. And no other payment options existed, other than driving across town to make a payment in person. Bravo, Nusenda! Then as I am validating my identity, I point out that they have a phone number on file for me that is over 10 years old, likely a carryover from the former credit union name under which they did business (NMEFCU). I provided the representative with my current phone number, but she said she cannot update that over the phone. I explained that she validated my identity, I provided all the details of my recent vehicle purchase, but she said I had to go online and update it myself or do it in person. Another bravo, Nusenda! And last but not least, don't forget your user name...they cannot provide that online or over the phone... But you can guess it and they'll tell you if you're right (you cannot even make this stuff up)! Not sure they could make interactions with them any more painful, even if they tried... Welcome to 1990, Nusenda! read more

If anyone has or is thinking about getting Nusenda Credit Union...DONT! They claim to "have all the services of a big bank, without the attitude of a big bank" YEAH RIGHT! We have used them for over two years now for both our businesses AND we have our car loan through them. We have never been late on a payment, never had overdrafts or anything. This month, we accidentally overdrafted from an automatic payment we weren't aware of and didn't realize it for a few days because Nusenda let us KEEP SPENDING! By the time we noticed we were over $100 overdrafted. We put money in to resolve the issue, but the next day two more automatic payments came out and put us back Into overdraft. This has started a cycle, we have put $400+ into the account this week and EVERY time we are still overdrafted because they charge us a $35 fee. It has gotten to the point where we have paid $455 this month in overdraft fees and we are STILL negative!! We called the bank and there's "nothing they can do for us except cancel the card" They didn't even offer to waive one as a common courtesy or acknowledgement of all the business we do with them. So I will be going in tomorrow, removing my money from the remaining business account and either transferring my car loan or turning it over to them all together. Hope losing a $30,000+ car repayment was worth the $35 overdraft fee Nusenda! read more

Worst bank I've ever worked with, including BofA. Poor communication, assigning fees and changing account status without prior notice. There's no consistency. read more

So frustrated! I have been a member of Nusenda for over 20 years. In fact, I don't even live in New Mexico anymore, and I still bank with them, and I understand that they pride themselves on being small, but today they reinforced for me that they are just small minded! All I needed was a letter verifying that I am a signer on my account. Olivia (phone rep) said to fax my request to the Records department. I did, along with my number if there were any issues. Instead of getting what I needed, they faxed my document back to me with a note. UGH! This isn't that hard. When I called back to get a live person (and waited on hold for 15 minutes), by the time someone answered, I was told that the department I needed had gone home for the day (only 3 minutes earlier). Ugh! read more

I have been banking with nusenda for 5 years and have had 2 loans through them paid off on time. Everytime I come back for another loan they request more and more information and their call center says "it just depends on the underwriter and what that particular person wants" , forms of information you have used in the past to get a loan will not suffice anymore. I will be finding another bank to go with because they obviously don't care about loyal members. I would rather go back to wells Fargo then ever deal with nusenda again read more

They cancelled my debit/credit card while I was traveling overseas (where I had no internet or phone access) because a local business I used prior to my trip had compromised card machines. It is a policy that benefits visa - not the members. If your card is stolen and used, visa has to return your money. Rather than risk that, they choose to cut off access to your money, leaving you with no access to your own money. Their response was that they mailed me a letter. That is clearly unhelpful when I am out of the country. They need to change their policy to never cancel a card until they make actual contact with the customer. read more

This review is not directed to the branch level but to the online banking/speak to a representative of Nusenda. My checking account showed a $900 balance when Nusenda decided to pay one check for $20, return a check for $40, all because an item for $1000 was "pending", then proceeded to charge me two $35 nsf charges, while the "pending" item didn't pay until two days later. By the way, a direct deposit went in that same day of over $3000. I'm done with them, closing my account out and never referring Nusenda to anyone. read more

I'm revising an earlier review to give a lower rating. If you need a local bank in northern New Mexico that gives back to the community and just need it to keep your money and cash your checks, then Nusenda will fit the bill. They are courteous, friendly and helpful. I have no complaints there. The Taos branch staff are fantastic. The Credit Union channels funds back into the community. However, a couple of weeks back I transferred some funds from a UK bank account to my Nusenda account, something I have done about once a year for the past 15 years using different US banks depending on where I was living. Nusenda refused the transfer because I had not "authorized its conversion to US dollars". I have never come across this before. I have made little progress with customer service to date by phone or by email. The last thing they requested was that I obtained screenshots of messages from the originating bank that transferred my funds. I decided to bank with Nusenda because I wanted a local community bank, However, they appear to have no understanding of this problem or motivation to resolve the issue. I give them one star today not only because they appear to have messed up my transfer, and because they appear to have no idea about how to work out what went wrong, and why, and then tell me what they discovered. They are not answering any of my questions directly, and have not refunded the extra wire transfer fee I have incurred. When customer service appears to be working from a script rather than trying to resolve individual problems you know you are in trouble. After two more days of fruitless conversations I instructed my UK bank to wire the funds to another US bank, and the funds took just two days to arrive. I am now in the process of closing my accounts with Nusenda which, because of online transfer limits, will need to wait until my next trip into town. Time to move on. I finally visited Nusenda and closed my account and received a check for my remaining funds. The person I saw was surprised at what had happened to us and said she'd look into it. Now we have moved on to better banking elsewhere. 2017 update. Nusenda never did follow up with us on what went wrong. Against my principles I have completely lost faith in local banking as a result of my experience with Nusenda and my previous experience with Hughes Federal Credit Union in Tucson. We now bank with Discover online banking and the difference is night and day. Just sorry that our money isn't held locally in our community, which would be my preference. read more

I am not even a member, but my mother was, and after her death in July, I would never give them my business. Three days after her death, I called to advise them of such. I was told that we needed to get a copy of the death certificate first before they could handle the accounts. It took just over 2 months for the medical examiner to complete a death certificate. One was immediatly sent to them and when we went to close and settle all the accounts, we found they had charged 2 month of late fees and interest on the credit cards which was quite a bit of money. When speaking to the staff about having these fees removed, they were very rude and ever had the nerve to ask how much longer until we would be able to pay off the credit card. I was under the impression that interest and fees would stop once I advised of her death and until it could be payed off by the estate. They went as far as to put a lean on the estate already and she has been gone for 3 months. I guess it really is all about the money NOT the memebers. read more

Went in the other day interested in opening an account or looking into their services. Sat down without a real greeting and was ignored for half an hour. Decided to go some place that had actual customer service. read more

The fees are terrible: --"Interest charge - purchases" - They could not explain why I had that charge. They did remove it after I complained. --"Interest Charge - Cash" - They charge you from the date of your cash advance (from their drive through!) to the date you pay the balance. So apparently, they take this from your account immediately, but still charge you interest! --"Cash fee/Finance Charge" - Even when you use their credit card for a cash advance, they charge 1%. I have opened an account at another bank. read more

I"ve been a member of NMEFCU for 16 years and must be lazy because I've NEVER liked it. The fees are outrageous...$5 just for a transfer from my overdraft to my checking to cover $2 before I could get to it. The banking industry in general sucks but this bank is inconvenient and worthless with higher fees than Wells Fargo, YIKES! read more

When they were the New Mexico Educator's Federal Credit Union, they were a really wonderful place. First-rate customer service, no hidden charges for transactions, extremely helpful in every way. I started as a customer in New Mexico, and even though I moved to Texas for 5 years, I still kept and used them because even dealing with them from another state was easy and a pleasure. Over time, there are some things that have changed that aren't as great. Now there are service fees if you are below a minimum balance, which is unfortunate, considering they are a local business. I had a negative experience with some poor customer service and a badly-handled transaction issue that took more time and effort than it should have to get corrected, and I haven't been as happy with how time-consuming it is now to get someone on the phone - but my opinion has been improved by better customer service when I go into a branch. Their financing plans and interest rates are excellent, and since they've worked out some bugs, their online services seem to be more even again. Much better than dealing with massive corporate banks, and I receive a yearly reward for doing business with them. A decent place to do business with. read more

This bank used to be the best in town until it became Nusenda. After being a member for 13 years, I moved to the East coast. When my card expired I called and was promised a new debit card, that never arrived. To address my need to access my money, I set up a transfer to my local bank. When it appeared to not go through, I tried again. Even though I did not receive any sort of confirmation, they charged me a $25 fee for my second attempt to transfer...and a $5 daily overdraft fee that resulted from the first predatory banking fee. If I had not randomly checked my account a few days later I would have never even known they were charging me. After an hour of phone calls, including being on hold for a manager who never came on the line, I was told that none of the fees would be waived and that it was my fault. They were not even willing to close or hold the account until it was brought current. It was only in a "not current" status due to their predatory fees. Did I mention I never received the ATM card? It took another 3 days for me to find a way to put money in the account without one. Given all of the other reviews, I am not holding my breath to be made whole in this situation. Needless to say, I am closing my account and telling every single person I know the reason why via my social media. read more

I found the staff to be attentive to my needs turned in I was well pleased. I have been banking with new sander for many years now and enjoy the services that they offer and the many locations. read more