I've had an account with them for 13 years, never had any issues. Today they wouldn't cash a small check and wanted to place a hold. Never bounced a check, have almost $20,000 in available credit with them. At some point the tellers have to start using actual common sense or they won't have any customers left. read more

Keep YOUR money. It's not yours when you deposit. They loan the money out and give you 3.13 percent on 20 thousand. FYI their loan officer (starts with an M... ends with an e... didn't mention who did I?) DOES NOT EVEN UNDERSTAND debt to income ratio, etc. Pulling all my money ASAP except 10K. Go elsewhere. I have been with them 25 years. I have the money to cover an auto loan, assets, etc. They need you, you don't need them. Find a better bank. My 5th review in 50 years... you are just a number in their system. It's a shame, I used to brag about RMCU...they lost a good client. read more

I have banked at RMCU for over 40 years. When reading reviews, please note that reviews are mostly written when someone is upset. Happy customers don't think about writing reviews -- which seems a terrible shame, so that's why I'm here writing. Today I had a snafu which caused a $3.03 overdraft charge in my checking account. The customer service lady at RMCU was super nice and helpful, and the overdraft charged was waived! I went in to the bank 3 months ago to see about a loan to get a new washing machine (mine broke... it was only 26 years old -- (! lol) -- figuring that I probably couldn't get a loan as I now am on SS and have limited income. My credit rating was 590 (?) just because I haven't borrowed anything in years. (I did have a $6,000 loan with the RMCU about 14 years ago, paid in full, no lates.) RMCU said they couldn't do a loan, but they could give me a credit card for $500 to buy the washing machine with! Saved the day! I filed for bankruptcy over 20 years ago, and 4 years later it was RMCU who helped me to slowly build my credit back up. RMCU is my bank, even back years ago when it was State Capital Employees Credit Union. They will waive one overdraft fee a year, just as a courtesy. They treat people as members of RMCU, not just as a 'small' time checking account. Big corporate banks are driving only by profits but a credit union is a not-for-profit financial institution. You are a share holder. This credit union is there for its members. And that is gold. I highly recommend RMCU to everyone! read more

I have been with them for about 5 years now and have been very happy with service ! They have great checking options and work with you when life happens. I feel like a valued member every time i walk in! read more

Must have a minimum of 620 credit score to even open a account no matter who your employer is. Poor customer service and rude staff

Not the same as it used to be. I have been a customer/member of this credit union since 2006. In the past they were very helpful. I had my mortgage through them and several personal loans including signature loans and auto loans (all paid off). I went to the credit union on the 28th of February 2019 to cash a check and was treated very badly. There was a new cashier trying to help me and she was very nice. The older cashier next the her I believe her name was Christine was very rude. I wanted to cash a check but I did not want to deposit it into one of my accounts. While I was at the counter (other customers standing next to me) I was interrogated about why I didn't want to deposit the check into my account. I was insulted about why my savings only had the minimum amount to keep it open in it (I do all my business through my checking and the savings account is required to be a member). They refused to cash the check without depositing it. I asked to see the manager and she was very unhelpful. She did not take the time to find out what was going on and did not seem to care how her customer was being treated. The next day I went on line to check my account and found an "inactive account fee" charge in the amount of $5.00 which put me below the minimum to be a member at the credit union. I believe that this was done intentionally by either the unhelpful manager or the cashier that was rude. It is really upsetting to think that someone at the branch has the ability to manipulate the accounts in this way and by doing so is a severe violation of trust. I made an attempt to reach out to the board of directors to inform them what was happening in this branch but there is no way to contact either the board or even customer service on their site. So I am now seeking a new credit union to join and am going to put RMCU in the rear view mirror. It's a shame when you consider that I have done business with them for 13 years. read more

Awful, awful. You're not a 'client', just a number. Constantly hold my deposits for 7 days even with verification options. And I've been with them 4+ years! Will be moving my account asap!! read more

After reading the negative comments I'm compelled to write a big positive - everybody from the lowest echelon to the highest board member have been helpful and informative. My deposits are processed the day they are received by the bank; when I call for information I get the answers immediately; once when I was out-of-state I needed help getting funds into my son's bank account and after ascertaining my credibility (which is necessary) they were able to help me that day, which was a great help to my son. I can't say enough good things about these folks. I'm sorry others haven't been able to have the same experiences. JSH read more

The people when you talk to them are really nice. However, when you deposit a payroll check it takes forever to get your money. I have had late payments and fines because of this. And when I go to call they are always closed. And for some reason my account is frozen. I mean why can I not just get my money. I work hard for it. If I didn't need it I wouldn't work. Duh. So why don't you take a step into the 21st century and get some technology that allows members to get their money more quickly. Take some of the money that you hold from members and invest it in better more up to date mechanisms read more