I would not recommend this bank. I could give them 0 star I would. They messed up my credit rating saying I was as late on 1 payment out of 30 year mortgage payments with them. It was their system that messed up and not my local bank. I will never ever do business with them again or recommend them to anyone. read more

Smooth and easy mortgage experience. It's easy to see that the staff really care about the customers. Highly recommend!

I have had a mortgage with them for quite a few years. I used the Heloc program to purchase a car and a few other items. The rates are a little high but I think it is a great idea. HOWEVER, yesterday I received a check from one of my accounts and it was 4200 dollars. I only owe 3200 for my loan and I went in to pay it off. You would have thought I had a mask and a gun! Oh we can't do that because you don't have an account with us! Are you frigging kidding me? You have made thousands on me over the years and you can't cash a check? The teller was a nice lady but I was pissed about this ridiculous and antiquated system or policy. Once I get this paid off I will NEVER do business with these people again. Ugh! DON'T trade with someone that has to force you to open an account just to have the privelage of paying them off. Screw that! There are good banks out there that don't pull this crap on customers! read more

We did not use Union Savings Bank. The 5 star review is for Betsy Marks, specifically. We were referred to Betsy, but Union Savings is a very conservative lender. Betsy took time to talk with us and explain the process. She reviewed our information and was clear (and kind) on their conservative lending practices and made an exceptional referral. It's clear that Betsy cares about her job and her potential customers. She did not have to give us the time that she did. If you have excellent or perfect credit, I would recommend that you give Betsy a call. If you have good, but not exceptional or perfect credit, see my review for Fairway Independent Mortgage. read more

When we first purchased this home, they "forgot" to order an appraisal, and we missed the closing date. Years later, as a matter of practice, they pay homeowners insurance out of escrow late, and this year they can not prove they paid it all. Absolutely awful. read more

Yeah, that's right, I'm reviewing a bank. In my opinion, most banks are boring, have high rates, and range anywhere from slight jerks to pathological asshats. Imagine my surprise when we were able to secure a home loan at a really good rate in less than a month! We worked with Terry Strackbein, and I cannot say enough good things about her. She was prompt, easy to contact, quick to respond, and clear in all of her instructions. I would definitely recommend them for your home mortgage needs!!! read more

Union Savings Bank was recommended to us by a financial advisor in 2018 when we decided to refinance a higher interest mortgage. Brian Lindstrom was our loan officer. Brian did an excellent job processing our loan and answering our questions. Other staff members have been helpful as well, both then and now. read more

Do not use this bank for an Indiana Mortgage. Jeff Elder the loan originator told us everything we needed to hear to get us in the door then couldn't provide anything he said they could. Huge Waste of time, possibly unethical, incompetent, for sure careless. Don't use this Bank in Indiana. We asked for our Jeff's supervisors number but he wouldn't give it to us. Told us to call the Bank Owner, we did and two days later no call back. Called again today still nothing. Terrible service. Don't use. read more

Good luck getting a mortgage payoff statement. No wonder people are going elsewhere for their refis.

This bank is so backward that I can't see my home loan information online without having a checking account. In order to get a copy of my loan statement I have to drive about 40 minutes to the nearest branch. I found this out after being transferred 3 times, hung up on and then having to call back. I'll be looking into moving my home loan as soon as possible. I will not leave a loan this big with a bank like this. read more

Just closed with rick ripma. Now I know why every realtor knows this guy. Not only is he professional, very organized with your lists on what to get done (and he calls and emails you too if anything is coming up), but he is personable and gives great advice like he was an uncle in the banking business. Everyone we dealt with at bank was great, honest, and we had no surprises and did not have to jump through any hoops. Also, I searched many banks for rates and these were the best! Appraisal costs were also considerably low. Never thought I would review a bank but I was so impressed and thankful for rick that I had to let other people know of this great experience! And if rick ever reads this, thanks for dealing with us for over a year while we house hunted forever!! read more

You do not want to have a checking account w this bank. Like today, The bank is closed in 2 different locations, La Quinta, Palm Desert Ca. The ATM has been broken for 3 days. They decided to get a new ATM right before the holiday. The drive thu takes forever. It's 9 miles through traffic to the only one open. I should have switched to a Chase or a fully functional company many yrs ago but better late than never. read more

If I could give zero stars I would.... We have worked with USavings during a refinance previously. We returned to them, although previously experiencing an incredibly long closing. We we're initially told they could achieve a 4 week close time. 4 weeks came and went with little willingness to communicate. A week after the initial close date we were told the appraisal has been received by underwriting but they do not like the house.... When calling our loan officer he proceeded to defend himself and his coworkers, and stating he lost lots of time on this as well....We have requested to speak to management multiple times throughout this process and each request has been evaded, either due to fear of negative reviews to management, or managements unwillingness to hear from customers, either a bad reason. It's sad to be met with such defensiveness from a customer facing position. It's a clear representation of the companies values and lack of professionalism. read more

Let me tell you how Union Savings Bank cheated us out of $275. Union Savings is pretty well known for having a low cost home mortgage. We used them on a refinance in 2010, and they did a fine enough job. We came back to them in 2014 to finance a new home we were building. We ended up working with the manager of their entire sales division, Don A. Unlike most banks, Union Savings has a non-refundable $275 fee on the front end. This is how they can offer a "low cost" closing. When you refinance or get a new home mortgage from them, you sign a contract stating that you agree that you cannot get this fee back - in exchange for an appraisal. All was going smoothly until it came time to have the new home appraised - it was about 50% completed (no drywall) when the home inspection was conducted. As required by federal law, the bank must use an outside home appraiser. They hired Casey Lucas from Appraisals by Casey, Inc. When the appraisal came back, it was very low... 15% under the value of the house. The bank denied our loan and said they would take the fee. I asked to see the appraisal. When I got the appraisal, I was shocked. Our house was a 5 bedroom... the appraisal only reported 3 bedrooms. Our house has 3 full baths. The appraisal said there were only 2. The square footage was off, the number of rooms in the house was off. The size of the lot was wrong. At first, I wondered if she even had inspected the correct home! Here's a long story short: Casey was "having trouble" getting in touch with the building department at our homebuilder... so instead of DOING HER JOB and verifying the information, she gave her "best guess" and turned in a report that was inaccurate. When I brought this information to Don... do you want to guess what he did? Apologize? Offer a 2nd appraisal? Acknowledgement of the error? Ha! He said that Union Savings stood by the report and that we had made a poor decision to build this house. He said that we were just upset that we had gotten suckered by our homebuilder. I have saved every email that he sent, if you would care to verify this with me. I had to send building plans, had to have our homebuilder call him and the appraiser to convince him that this was a terrible appraisal. So, they sent Casey back out to the property... the appraisal came back... and most of the information was still wrong! The appraisal was still low because she still had many of the numbers wrong (square footage, lot size, number of rooms). Don once again defended the bank and the appraiser - and was generally very uncooperative. We contacted a 2nd appraiser and told him the situation. He said that Casey had violated one of the major ethical rules that govern appraisers in the USA. He showed me the 2014-2015 USPAP (Uniform Standards of Professional Appraisal Practice) and showed me the exact page and line number (USPAP, U-11, lines 377-383) that detailed this was a violation of their ethics and rules. Essentially, an appraiser is not allowed to turn in a report if it is incomplete or if they have not gone to reasonable lengths to verify that the data they are submitting is correct. Casey flat out admitted to me on the phone that "I didn't understand the plans". Direct quote. After this, they said they would order another appraisal. I demanded a refund. At this point, I had been insulted, told I was wrong, and repeatedly argued with over a 10 day period. I did not want to work with this bank anymore. They refused a refund - they said that the fee was non-refundable because it covered the appraisal fee. I countered that I never received a valid appraisal, and thus they were in breach of our agreement. At this point, they stalled, stopped communicating... I can't prove it, but I think they were hoping that I didn't know that you cannot change lenders within 30 days of your close date - because as soon as that 30 day mark was past, they started contacting me again. Unbelievable. I did find another lender and - when they actually used an appraiser that knew what they were doing - the house was valued at slightly above what we were paying for it. Do not use Union Savings Bank! SHORT VERSION: Union Savings used an incompetent vendor to appraise our house and then forced us to pay the bill. read more

Worst company ever. Had to wait 11 days to get a loan closed. They do not care about deadlines or follow through. They only care about their deadlines. You call and call for help and NO ONE returns your phone calls. $600 in additional rent they finally got a slam dunk loan done. Mind you they had a clear to close for the loan, just could not get it done. No body there cares about it and I will tell every one about the horrible service. This is not the first loan they they have blown. Run the other way.... read more

Steve White was polite, responsive and had my back when things were getting fishy during the closing process. I highly recommend.

If you're applying for a mortgage with Union Savings Bank, buyer beware. I hope you don't mind having them sell your mortgage to someone else! Even after they promised me (verbally) at closing they were not going to sell my mortgage, them did only a few weeks later. When I was paying Union Savings, I could pay make semi-monthly payments and would be saving a lot of money in interest over the life of the loan. But, the new mortgage lender does not allow that. I grew up here in Indy and chose Union Savings because I thought they had integrity. I know it's only what is in writing that you can count on and there are a hundred pages of mortgage documents to refer to on this one, but I would not trust Union Savings Bank for a mortgage or any other services. read more

Had a house loan with them for 3 years. They were wonderful to work and prices were extremely fair.

Took forever to process and close loan - nearly 4 months! They sounded promising on the phone but did not follow through. They have zero on-line presence as you can only pay by check in-person or via snail mail and with a website that looks like it was made in 1995. Would not go back. read more

I had really bad experience when I tried to refinance my mortgage through the bank this bank. I al ready have loan through this Union Saving bank since 2011 ,I never had even late payment but as interest rate went down & because of my husband's sudden death ,I thought I should try to refinance the mortgage . So I applied for that ,they said the application fee is non refundable if I don't get approved for refinance .I was okay with the underwriter decision , if they would let him even check. The person working with my case didn't ask me anything & just told me to apply ? I asked her specifically what are the basic requirements to get the loan beside income because in case If I am not eligible for some of the obvious reason, I didn't want to lose my 275$ of application fee. She said you are good to apply .After going through all hassle I got a call after appraisal that my home was on sale before 2 months so I am automatically not eligible .The file didn't even went to under writer & I lost application fee for no reason. I e mailed higher authority even saying they didn't tell me about that at all otherwise I wouldn't apply & she sent me the letter I signed that the application fee is not refundable .That wasn't fair for the customers because when I tried recently with other mortgage company ,they specifically asked me if my home was on sale within past 2 months ? So because of negligence of their staff I lost my money & waste my time for no reason. I would never do any business with Union Saving Bank read more

This is not a review of any particular branch, just Union Savings in general. They are the most backwards organization I have ever had to deal with. They are using 1980's technology. I just want to be able to track our loan payments online. You have set up a checking account to be able to do this?? At least 50% of the time, I am unable to log in because it tells me they don't recognize my computer. The same computer I have been using for 8 years to log in? You cannot reset your password online. You have to call them and they are only open 8-5. I think there is one person you have to call and every time I spend 30 minutes on the phone with her to reset the password and the next time I log in, the same thing happens! I think they calculate your loan payments with an adding machine and they type things to you on a manual typewriter. Going back to about 2008 when we refinanced, it was such a long time consuming process, my husband and I both said the little amount of money we saved refinancing was not worth the hassle of dealing with this bank. They actually called me at one point during the refinancing process to question a credit in my account. It was my paycheck that i have every month to my checking. Seriously. They had copies of my stubs. I will say the employees I have dealt with are nice. I have not problems with them. The main issue is the with their outdated technology. i can't imagine how horrible it probably is to work there. They probably figure up everything with scraps of paper and calculators. read more