Amazing credit union for all your financial needs. Staff are friendly and helpful. Offer counter,…read moredrive-up, ATM, and online banking.

From the owner: Heartland Credit Union is a member-owned, federally insured, Minnesota-based credit union proudly…read moreserving communities across Dakota, Scott, Rice, Le Sueur, Carver, Hennepin, Ramsey, Washington, Chisago, and Anoka Counties. As a community-chartered credit union, membership is open to anyone who lives, works, worships, attends school, or volunteers within these areas — as well as immediate family or household members of current members. Heartland offers a complete range of innovative financial products designed to help members achieve financial freedom. From high-yield checking and savings accounts to competitive auto, mortgage, and recreational vehicle loans, members enjoy personal service paired with the convenience of modern digital banking. With secure online and mobile access, 24/7 account management, and surcharge-free access to over 63,000 ATMs nationwide, banking with Heartland is simple, safe, and rewarding. In addition to traditional services, Heartland provides business banking solutions, investment and insurance options through trusted partners like TruStage®, and financial education tools to support lifelong financial wellness. Every interaction is guided by our commitment to courtesy, accuracy, and community care—because at Heartland, you’re more than a member; you’re part of the family.

I have moved all my accounts here. I even refinanced my house through them to escape the big banks,…read morealthough I'm disappointed to say that three months later they sold it off to Wells Fargo! But Affinity still services the mortgage, so I get to deal with their cheerful staff when I need something. I'm self-employed, and they worked with me to make the refi go as smoothly as it could. They also have an awesome car buying agreement with a number of local dealers. Walk in to the dealership, tell them you're an Affinity Plus customer, and they will give you a great price without haggling. I went in with a specific number in mind for the car I and features I wanted, and the credit union price was actually less than I'd been shooting for! I don't live near one of their offices but they have a good network of free ATMs and there's always the mailbox and online service. They are NON PROFIT so their aim is to get the best deal for their customers, not their shareholders and executives, and it feels like it when you walk in.

Don't be part of the corporate bank kleptocracy. Put your money where you are a member: the credit…read moreunion! Low/no fees, super-competitive loan rates, free ATMs, staff that WANT to help you...How nice to actually like the place where you do your banking!

i'm disabled with multiple sclerosis. I have five dollars bank. Wells Fargo $10 for a service fee…read moreput me in negative and now I don't bank account anymore. They won't even help me been with Wells Fargo 35 years there's other banks work with disabled people, but not them

I realize during Covid that there should be limited access to the inside of the building, but…read morehaving drive through banking only is a disaster. I was stuck on Lothenbach ave, trying to turn left into the parking lot, but with cars backed up by the DT tellers there was no place to go. As a result the cars behind me ended up blocking Robert Street. This is a horribly dangerous situation. Something needs to be changed. This seems like a daily occurrence as well. So far I have been in line 30 minutes with 3 more cars to go. I enjoy banking with Wells Fargo but I won't be coming back till post covid. Alexander'sdvgddv

SHORT VERSION: I could not be any happier with my experience At Royal Credit Union. Associates…read moreMatthew Ayoub & David Giadyu were very professional and knowledgeable of all the options and variables. Both were very efficient and also offered me valuable advice. THE DETAILS: As a retired person with limited income, I was concerned about the reliability of my older car. I wanted to upgrade to something newer with less miles. Apprehensive, but hopeful, I met with RCU associate Matthew Ayoub. He asked several questions like what kind of vehicle I was looking for, and what size payment I could manage. Matthew was thorough and efficient, and in a short time I walked out of RCU with a commitment letter to spend up to $15,000 on a newer car. The interest rate was very fair, and the payments would be right in the range that I could afford. On the way out, Matthew also gave me some advice about looking for a vehicle that turned out to be very valuable. About a week later I had settled on the car that I wanted. I was hoping to put the deal together as soon as possible. As it turned out, Matthew was off on the day I wanted to finish the loan process. NOT a problem! David Giadyu came to the rescue and finished the process. In a short time, he had all the loan docs ready, and a few signatures later, I walked out the door with a check. Hallelujah! I am super happy with my new (to me) vehicle, and I could not possibly be any happier with my experience at Royal Credit Union! Dennis Everson

From the owner: Reach your financial goals with Royal Credit Union! Whether you're borrowing or saving, Royal is…read morehere to help put your goals within reach. When you choose Royal Credit Union, you're getting great rates and a financial partner you can grow with. From savings and checking accounts to vehicle and home loans, Royal offers the financial solutions you need and the advice you can trust.

I just finished a near 3-year project with Gateway Bank that involved the purchase and finance of…read morereal estate, then the finance of an major renovation of the building. The project also included moving and expanding my dental office into the new space. That, too, involved the finance of lots of new dental and office equipment. I couldn't have asked for a better banking partner in a project that had so many moving parts. Being a smaller, locally owned bank, Gateway was nimble, creative and flexible. Like any construction project, it ended up over budget and behind schedule. Gateway was there at every step along the way. More than once they went to bat for me with the General Contractor to reign in costs. They were also persistent and thorough about arranging SBA loans for the project and were able to take advantage of their established relationships with the SBA brokers to make it all happen. My contact there was a V.P. with decision-making authority. The convenience of having his cell number - and round-the-clock access - cannot be overstated. Big projects have a life of their own and problems don't always present during "banker hours". Whenever I needed to talk money, Gateway was a phone call away. Done. The entire crew there is helpful and truly a pleasure to work with. As the project wound down, and the financial dust started to settle, I found myself regretting not having a reason to call the bank. Gateway Bank began my project as a banking partner, but ended as a friend. For commercial banking, these folks can't be beat.

From the owner: BANK LOCAL. Old Fashioned Service. Modern Day Products. At Gateway Bank you get a banker, not just…read morea bank. Mendota Heights-based Gateway Bank was founded with a clear vision of what a community bank should be. And we remain committed to conducting every transaction with that vision in mind. Our three core beliefs shape who we are and how we do business. 1. Outstanding client service. 2. Strong client relationships. 3. An excellent work environment. When you bank with us, you do business with highly-skilled, hard-working, knowledgeable professionals who make client service a reality. Focused on building and nurturing strong relationships with our clients and our community, our staff is dedicated to delivering outstanding service worthy of the business with which we are entrusted. We believe that our community is defined by the individuals and businesses within it. For this reason, we offer competitive personal and business products and services that aim to strengthen and enhance the financial well-being of our clients.

Everything. They are always polite when I call and when I visited the bank everything went well.read more

Worst bank branch ever. I came in at 9:30 not get out of there until 10 o'clock for a simple…read moretransaction. Not that the bank was crowded or anything, there was only one person ahead of me in line. They only had one teller working. After about 15 minutes, another teller came out. I started with one teller only for him to pass me off to someone else saying he needed to return an email. I then ended up with a rude teller by the name of Emilio, who was very disrespectful and unprofessional. I will stick to going to my home branch.

Crooks. Do not trust your Available balance" on the app. Apparently they will show you have a few…read morehindered, but keep everything pending, even though the balance reflects those purchases you've made. Before you know it you've paid hindered in "Courtesy pay". 10 years and it's a shit show of a bank. Do not use them. They'll give you the run around. I'll be closing this account in a few days. Kick rocks. The app is misleading as it gets.

I came into Spire Credit Union after reviewing the best options for small business just getting…read morestarted. i worked with Rachel and she not only invoked confidence that I made the right decision, but I also learned that they can handle my possible growth and merchant services for an online business. I also didn't know that there are shared network ATMs/Offices that will allow you to do many of the same services that you would do at a Spire branch office, at another shared network office (non Spire). This leaves many locations to do business outside of just the Spire branches themselves. You can find this on their locations section of their website. They were very friendly and helpful. I may be looking at moving some of my other accounts to Spire... Not only for the rates, but also the friendly and passionate staff.

I opened a checking and savings account with this bank in early May after my 87-year-old mother,…read morewho has been a customer for over 15 years, highly recommended them. Unfortunately, my experience has been nothing like hers. It is now almost July, and I still have not received my account information or my debit or credit cards despite having to call customer service at least five or six times. No customer should have to repeatedly chase down basic account materials after opening new accounts. What finally prompted me to write this review was my interaction with a customer service representative named Penny. From the start of the call, she repeatedly interrupted me while I was trying to explain why I was calling. She even argued with me about my mailing address, despite the fact that many eastern Twin Cities suburbs use "Saint Paul" in their mailing address. As I explained that I was understandably frustrated after nearly two months of trying to resolve this issue, I felt that her tone became increasingly dismissive and condescending. Rather than listening, she repeatedly told me to "calm down," said things like "Oh, you poor thing," and spoke to me in a way that felt patronizing instead of professional. I was also placed on hold for nearly 20 minutes just to retrieve my account number. After the call ended, she called me back and left a voicemail that I found highly inappropriate and unprofessional. At that point, I had completely lost confidence in the level of customer service I was receiving. I will admit that after weeks of frustration and what I felt was disrespectful treatment, I became upset at the end of the call. However, that frustration was the result of nearly two months of unresolved issues and an interaction that I believe could have been handled much more professionally. I chose this bank because of my mother's excellent experience over the past 15 years. Sadly, mine has been the exact opposite. I hope management reviews this situation, listens to the recorded calls and voicemail, and takes steps to improve how customers are treated. No one should have to fight just to receive their account information and basic respect.

The online phone banking information is always a random mess . You will be asked to press 1 or 6…read moreto check your balance. If it instructs you to hit 6 you're screwed, you won't be-able to check your balance and their promise of 24 hour help is a bald faced lie . I have a disability that doesn't allow me to work effectively on a computer for on line banking . So it's just a big F you disabled patron , no help for you this weekend.

Very professional, helpful location. Pleasure to bank with…read more Very professional, helpful location. Pleasure to bank with.

if less than 1 star could be allowed they wouldn't get 1 star. They closed my account before I…read morecould file a complaint about their staff not bothering to refund my money, when they paid someone else's bills from my account. When I requested face to face meetings with managers they never returned my voicemails nor provided me with staff schedules so I could meet in person with managers to discuss these problems.When they closed my account they didn't tell me, they claimed that I didn't know as I idn;t have a working phone. When I tried to have a sit down meeting to discuss the account problems, they climed that it was a COVID concern, but they did have sit down meetings with NON WHITE customers. They alkso said that regional managers could not help me as I did not make myself available by phone. They also did not return my money and I had to file special requests with the wisconsin corporate offices as the WSP office had entered a different address for me, And throughout all this I was never contacted via email.