They serve the public with banking, but a 15 dollar fee. And it was sent from another bank. I am a 68-year-old vet living on 1,707 a month l. income 4 this years income! Would not work with me???! Can't afford this. I thought about a new bank, and am still contemplating read more

I tried to close my account today and spoke with a representative. She asked to confirm my account so she sent a text to my phone. I answered that, then she proceeded to ask my address which I answered. Then she asked what the date of my last login to the account- to which I answered I would have no clue?! She said she could not authorize my account. Who in the world knows that type of information on an account that I barely use? She then gets her manager on the phone who goes through the exact same questions and I tell her the same things, to which she says rudely, "Well I can answer when I last logged in to my account". She said it like weirdly condescending- was strange. I said that's about the most obscure question to verify an account. Then she literally hung up on me. Super terrible customer service- glad I closed my account. Customer service matters and maybe rethink your verification questions?! Even a simple SSN question would be easier to answer. Bank elsewhere if you don't want to deal with rude customer service individuals. read more

Don't be late on loan payments when you're in the hospital. They won't work with you even if you have paid what you could. Had our vehicle repossessed in the night while I was sleeping! What snakes! The jerk we talked to on the phone (while my husband was in the hospital) was rude and treated us like dirt. Disrespected me because I'm not on the loan with my husband when I had to take care of everything. Then to get your vehicle back you have to make an appointment to get it. What nonsense! Way to treat people when they're down. You should be ashamed! read more

Helping pay off a credit card through a external account outside of U.W. credit Union is a complete nightmare, and the customer service sucks, I kept getting several different answers, they would not listen. They want their money but make it extremely hard to pay. read more

Consumer protections are non-existent. My mother unfortunately got scammed and contacted them immediately to report the scam. Without going into too much detail, they essentially told her that even though they acknowledge the charge as a scam they would not provide any form of consumer protection coverage, take any action to reverse the charges or reimburse the charges. I have had multiple other acquaintances report issues with their customer care as well. Don't be the next. read more

This bank is horrible, I have my mortgage with them and multiple months throughout the year I have trouble paying even though the money is in my account and you get no notifications if something is messed up. They do not work with you to solve any problem and their automated system is severely lacking verses other banks in the industry. Avoid if you can. read more

I called the 800 number to inquire about a new construction loan for a side-by-side condo. The agent said they handle that type of loan and arranged an appt with a nearby branch. We received an email from the branch describing the paperwork required for our appt which included tax info, pay stubs, etc.. We arrived at the appointed time with our paperwork and within 2 minutes were told that they do not finance multi-family new construction projects. My first and only thought was "don't tell us how you do business .. tell your employees answering the 800 line how to do their jobs". read more

Horrible! I have my mortgage through them and every month it's a pain to pay. I deposit a check into the account, one month they will hold $100, the next it's $150, now suddenly it's $250 hold and then when I deposit another check that full amount gets held. Then I'm always just short the available funds to may the payment. I hate this credit union. read more

I applied for a job with this company, though not this branch. I was contacted shortly after, and had a phone interview set up for about two weeks later, with a start date of about a 1.5 months after that. Two days before my phone interview, I was sent an email letting me know that the class was full, and therefore my phone interview would be cancelled. I'm livid!!! I don't even know what the two have to do with eachother. Any company that drags potential employees along like this with the expectation of at least a phone interview and then throws them to the curb because UW Credit Union didn't schedule class attendees properly, is a company I have ZERO interest in ever doing business with. I would NEVER recommend them to anyone. They obviously lack basic human decency. read more

We have been banking at UW for 5 years now everything has been going well as long as you have plenty of money and no issues. The government shutdown has affected us, and after finding my spouse is a government employee the service went from friendly to hateful. Currently shopping for a new bank for our accounts and business. Character is defined by how you treat other in hard times, not good times. UW has shown their true colors. read more

My automatic rent withdrawal tried to go through & was denied. There was plenty of money in my account. My rent has been deducted from this account for over a year. I emailed uw & 2 days later got a reply that it was an issue on their end & it should not happen again. I asked uw to reimburse me the late payment from my management company. They refused. This was one of many issues I've had in the 17 months I've had my personal accounts with them. Changing banks is a pain, however I will be doing that! read more

Refused to release a lien for our towing business on a vehicle owned by their customer who took out a lien and then totalled the vehicle in a drunk driving accident. Now we're stuck with the vehicle because they didn't follow up and make sure that their customer carried full coverage. read more

This account was set up for me with some specific criteria. They have not been helpful about working with me involving that criteria. Also, when there have been security issues, I was not informed me until I tried to use my card. read more

How bad has this credit union been hacked? the security they invoke now is insane and maybe illegal. After MFA, they asks random security questions, which are subjective, you are told you did not pass and hang up. There positions was I had to come in to a location to be verified. My accounts are open, but all checks are 'stopped payment', without being able to tell me why. I'm taking all of family members money out of this prison of a credit union. read more

I banked here for years as a college student and beyond. In 2014 I tried to get a home loan, making 6 figures, and with a credit score of 730+, but instead of helping me, I was told I wouldn't qualify, without any credit checks, I was not educated on what I would need, I feel I was shut down at the door. I eventually did purchase a home in 2019, but I believe I was in a far better position to buy 5 years earlier. This set me back financially for years to come, and I think about it often, as I know I am happy to be a home owner, but could have built far more equity in the past. They didn't have me speak to any home loan specialist, the banker I spoke to just told me I wouldn't qualify, but being more educated now I know I would have, and they hurt me because of this due to their bad advice. read more

Been with them since 1963 when my parents set up a college fund for me (the year I was born). Really things have been pretty smooth the whole time- got a house loan,refinanced a couple times,had a home equity loan for awhile loan for awhile, financed a truck and several motorcycles. Again, no drama that I can recall read more

will not pay off your previous loan in a refi! then they will blame you for not doing the one day mail. who mails anything do a wire transfer! scam and not a bank they can do all sorts of shady stuff because they"re a credit union and not a bank! read more

Do NOT let these incompetent people handle your money. They may "accidentally" deposit it into someone else's account. As a result, once I noticed someone else's check in my account 2 days later and called. They reversed the error and my account went negative and I was charged overdraft fees. which now they refuse to help remove the overdraft fees. As a direct result I am paying extra for their incompetence during a pandemic when my family, like many others, is struggling. oh and they blocked me on social media so I can't tag them in sharing my bad experience. read more

UW Credit Union - They blocked me on social media so I can't tag them.in my bad experiences. - Banks & Credit Unions Near Me - Madison, Wisconsin

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Really liked this bank until about four months ago when I started getting wrongful overdraft fees for forecasted upcoming charges that showed up the day before payday. Interestingly, my paycheck was also forecasted in all incidents but never added in until after they charged me an overdraft fee. Customer service was good in the past, but today the customer service rep argued with me. I spoke with the supervisor who also argued with me. I received the $5 refund but was informed I wouldn't in the future because it was a pattern. It feels like fraudulent behavior on their part since I was never overdrawn. Will be switching banks. read more

Located nearby to the headquarters, this UW Credit Union is a decent credit union for all your banking needs. Along with greeter front desk to route where you need to go next. In the middle back, close to the bank tellers are island stations where you can write on deposit slips if you're depositing cash or withdrawing money. The line for the tellers are decent and moves relatively quickly. The restrooms are also very clean and modern. There's also a cute play table for kids in the corner with small chairs to play while waiting. Quite adorable with some children books to keep kids occupied. There's also investment services available at this branch to consider if need be, close to the entrance way when you enter in from the front door. There's a station for free coffee and water. Just beware, the decaf coffee isn't very good, but hey it's free and it's a credit union, not a coffee shop. read more

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I write this from the point of view of someone who lives paycheck to paycheck and isn't perfect. If you are not that, then you may have a completely different experience here. I'll start off by saying for a credit union this is the least forgiving bank I have even been apart of. Not only do you get negative fees for going negative, but they also don't even cover the funds for you. So you are basically charged for them to not pay what you paid for anyway. Not only that, I had one financially tough year so I went negative a few times. They then disabled my debit card entirely, and would not reactive it. The thing is, while a lot of this is my own fault, they make it extremely hard to deposit the funds in time to avoid fees or the payments being not covered. I have two bank accounts, sometimes I could easily fix the problem if they had a bigger window to fix the problem. If I were to recommend a better alternative I would easily recommend Huntington (if they are in your area). Everything thing I mentioned above is the polar opposite, and it's not even a credit union. I just assumed credit unions would be more forgiving, but apparently that is not the case. So if you're like me and sometimes struggle, this is not the bank for you. Huntington has low fees, gives you twenty four hours of grace period, and they even cover for you. 3 years later and I still don't have a debit card. I tried once but it felt like jumping through hoops and gave up. read more

This credit union is very unethical . I opened a checking account with them in 2019 . I had some financial issues and ended up maxing out two credit accounts with them. I'm not denying this. Ended up with them being charged off which I take responsibility for my lack of control. The accounts were sold to a collection agency. I tried to set up payment arrangements with them and was told that they do not do that. Then they said ok you can try and send us 100.00 a month for each but then the gentleman implied that I would never get them paid off. I asked them if they would do a settlement and they said no. Ok? In the meantime, I also had a home equity line of credit which I was paying on. Then we went into the pandemic and I was a teacher and had to wait over a year for my unemployment to kick in and so the credit union was charging me lots of late fees, so I was working with them to try and keep that current, although they had a program to help people with loans to and avoid 30 day late fees which no one told me about. After the pandemic, when I was trying to refinance, I learned about these 6 30-day lates so I filed a report with the Better Business Bureau and the credit union removed them. I sold my home in February of 2023 and my home equity loan was paid off and then lien was released and then just today, I round out that in March of 2023, when I didn't owe them anymore money for the home equity line, they took one of the charged off accounts that they sold to someone else and suddenly changed the credit reporting status to say that it was now 180 days late even though, before that I tried to set up a payment plan to repay them the debt. I don't really understand how a credit union can use it techniques which seems so manipulative. It almost was like they were unhappy that I paid off my home equity line of credit, they weren't getting any more money from me, they had released the lien and so they reentered a debt onto me credit report in such a way to make it so that it would hurt my credit score twice. I don't understand the laws with all of this but it feels like this credit union purposely tried to mess with me after I had to get them to correct previous unethical acts in terms of not telling me about pandemic relief and then it when I reported them, wanted to get retaliation. I don't think anyone should use their services as they seem very petty and intentionally antagonistic to retaliate against me. I hope this review helps someone to avoid becoming a target of this credit union as well. read more

I am embarassed to say I'm a member after the terrible treatment I received at the Sun prairie location today. I went in to deposit cash that I won after gambling and the teller asked me if I wanted to put it in my checking or savings. I said absolutely not in my savings because the bank charges me to take money out of my savings. She asked me what I meant and then suddenly two other tellers turned around and said it was a federal regulation because of money laundering. Then the teller proceeded to tell me that it wasn't personal and I should get over it and refused to make eye contact or be friendly from there on out! No problem! My money goes straight to NFCU from now on! They have always treated me like gold and never charged me $10 per transaction to transfer money from my savings to my checking. read more

Went to the Fitchburg branch to cash a check I received from one of their members. They wanted to charge me $5.00 to cash the check because I was NOT a member. I had considered becoming a member, but not now! I would be so embarrassed to write a check to someone knowing they would be charge.Worked at both credit unions and banks for many years. Such corporate greed! read more

I had a medical emergency that involved $30 doctors copay which resulted in overdraft being triggered from the UWCU account. In a medical emergency I used the old credit card as I had no access to my wallet, and that card had an autopay to the UWCU from many years back. That charge fell out of my radar given my illness and general medical condition and also given I have not used UWCU in years. It was my first missed payment ever in 7 years with UWCU, and first ever missed payment in fact with anybody. They called me about that one time missed payment and I promptly paid it in full. However with the clerical error they wrote my account number wrong over the phone. When that payment was rejecting due to the wrong account number and I called them back, they were no longer able to process the corrected payment with the corrected account number as "their system would not take it". So they said they would write my account number on a piece of paper and try "next week when their system resets". That "next week" resulted in the second missed payment due to their own clerical and system error. I was not late with that payment on my part. So there was only one actual missed payment, but their clerical error made it look as if there were two. In the end they reported to the credit bureau and ruined my credit for that $30 doctor's copay. I reached out and requested goodwill removal of the report given the humanitarian nature of what caused it in the midst of the pandemic, illness and associated confusion, and given my pristine credit history and long relationship. They said they do only one curtesy removal, and they claimed that by correcting their clerical error and not reporting the second month of missed payment they used that "curtesy removal". So in fact, they refer to them correcting their own mistake as "curtesy". And thus I get no curtesy for the one and only missed payment that actually did happen but had extenuating circumstances. No reputable company or financial institution would be this insensitive, obstinate, inflexible especially in the middle of the pandemic. Nobody would have audacity to treat correction of their own clerical and system errors a "curtesy". Finally, nobody would effectively ruin a customer with a pristine credit record due to one time understandable glitch that was caused by medical emergency. Shame on them. You are better off with a large financial institution who cares about their own reputation and in you as a customer and as a human. read more

If I could give this bank 0 stars I would. I have banked with them for over 10 years and I've tried to take out a loan twice and got denied both times. 1st time I tried to consolidate my credit cards with a good credit score. Instead their loan officer denied me and instead opened me a new credit card. More recently, I got denied again because of a $100 derogatory account of which I was completely unaware. They couldnt send me an email or letter saying that I wasnt approved. Instead, I had to take time out of my day to call them and deal with their frustrating phone system during my lunch break, just to be told I was denied. This bank will not work with you, does not work toward the betterment your future, and does not care if they screw you over. Worst customer service ever. read more

I am very disappointed with their "customer service". In 2019 I opened two CDs. I was sold, in part, because of no penalties for early withdrawal. While I didn't expect to have to cash in the CDs early, Corona virus happened and money is tight. UWCU is now telling me there will be a $5K penalty for each CD. These are not large amount CDs so the amount of interest earned is small. The attitude of customer service people is curt and cold and bordering on rude. They are condescending. After all these years, I will be taking my business elsewhere. read more

Been members for 12 years, I am embarrassed to say I am even a member of this bank. They literally give the worst financial advice. Also when applying for a loan "jointly" unless you are "legally married", they will not consider both persons' income combined. Instead they'll treat it as a single applicant and base the whole loan application off of only one or the other's income. It's their "guidelines" that they have never ever mentioned in my 12 years of membership. If you want a Credit Union, Summit is the way to go. They'll actually treat you like a human being. I do not recommend UWCU to anyone. read more

My wife and I have banked with UWCU for many years. During most of that time they were a competent bank and we had few issues. Recently we moved house and employed a few of the banks instruments to make it happen. Specifically, we established a HELOC on our original house to pay costs associated with establishing the new mortgage and then paid all that off when our original house sold and transferred the balance to the new mortgage and then recast the new mortgage. Initially we worked with an astonishingly incompetent person at UWCU to establish the HELOC. This was the sort of person who would establish appointments and then call them off right before hand - after both my wife and I had made arrangements to be there during business hours. This is the type of person who returns your call one month after you make it, and who is constantly out of the office. We suffered through this nit wit and purchased the new house. When our house sold we paid off the HELOC as part of the sale and then transferred the balance to the new mortgage. The company that handles UWCU special loans (ie mortgages) is DovenMeuhle - they mascarade as UWCU when you call. These guys wanted a wire transfer to a chase bank account in NY for the mortgage pay down and recast. We didn't want to do this, primarily because no one at UWCU was clear how to do it and we didn't want to be putting that sort of money up to chance. Instead we just transferred it from our checking account to the mortgage like one large monthly payment. This is where the largest infraction occurred. Dovenmuehle then moved the money back to our checking account in what amounts to an unauthorized transaction, stating that they have a policy where we must transfer the funds to their chase bank account by wire transfer. I explained that they have no authority or power or legal right to demand this. We could always make extra payments on our mortgage as we please and then request the recast without the wire transfer. They relented and transferred the money back to the mortgage (a tense few days to say the least). I presume the reason they want the wire transfer is to make money on our money by investing in some instrument at chase for the intervening couple of months required to recast the loan. The next phase was to request removal of PMI as we were around 80% equity after the recast. They now inform us that we need to pay for an appraisal through them ($400 dollars) to establish that we are above the 20% equity required to remove the PMI. Only if the roof blew off would this make sense. The mortgage was established with an appraisal two months ago, at that time we were at 80% equity - how could things have changed such that we now have less than 20% equity. There were many many other errors in this process that we had to deal with - too many to describe. We are planning to dump UWCU entirely and never cross the threshold of any of their branches again. read more

okay, so it took three phone calls and two saying that it was a waiting game - but this wonderful woman helped me so I could get my paycheck from a new job. it meant so much especially needing to pay rent. she was ON IT. she immediately helped me and did so much. I really appreciate her and the team so shout out to you! read more

Let me start by saying as a credit union, I have never had an issue with customer service. Very friendly tellers, speedy service, great all around. My low score is because taking out a mortgage/construction loan with UW has possibly been the most infuriating experience ever. My husband and I are a young couple, buying our first home so we know very little about the whole process. Both of us bank with UW though so it made complete sense to take out our loan here. The problem currently is no one can tell me what is going on with this loan. I can't see it online on my UW Dashboard, I was told, because its a construction loan. Um. Okay. So I can't track my loan or make payments online. So they tell me I have to mail in my first mortgage check, do on June 15th. Okay, no problem. Except its been 2.5 weeks since I mailed it and it hasn't been cashed. Me, trying to be the responsible party, calls UW to see if they've received it. Hmm. Well it looks your mortgage maybe with our mortgage servicer. Um. Well, okay. So I'm transferred to the mortgage servicer. Only to be told they don't have my mortgage either. WHO AM I MAKING PAYMENTS TO AND WHERE IS MY CHECK?! As a 29 year old with no prior experience in this area, I feel like I am being jerked around and not getting all the facts. Not only that, we had initial issues when first taking out the loan like getting timely responses. Oh, and when we signed our title they forgot to mention our contractor needed to be there as well. On a Friday morning. In rush hour. You know when we found that out? When the title company told us as we were signing the papers. No one from UW told us because we were having a construction loan that our contractor needed to be there. Hopefully they get this worked out, because buying a house is already stressful enough without having all of this on my plate too. *UPDATE* We were given mortgage coupons with incorrect information so my first mortgage payment is out there floating around in space. read more

https://www.uwcu.org/loans/home-loans/home-loan-offers/fthb/ This 1st time homebuyer discount is very shady and prey on vulnerable customers (1st time home buyers that are unfamiliar with mortgages, Lender Credits, Seller Credits etc). My complaints: 1. I have email conversation with Loan officer referring to the $1K Discount as Lender Credit so me being a vulnerable customer believed that this Discount is as good as Lender Credit. (I learned later that it is not as good because Lender has obligation to return the value of excess Lender Credit if not used to pay for Closing Costs, while the Discount is not) 2. I believe Loan officer was malicious and has intent to deceive because I inquired why I am not getting Discount about 1 week before Closing Date but he avoided the question even though he already possess enough information that I will not be getting any Discount. I still assumed good faith transaction so I believed I am getting some Discount, but it turns out I got ZERO Discount and I was robbed the time & opportunity to rectify the situation and explore my other options. 3. Up until now the Loan officer still claims that they gave me some small amount of 1st time Homebuyer Discount even though the Closing Disclosure clearly show I got ZERO. 4. There is no mention in the website link that Discount will only be applied after all Lender/Seller Credits are exhausted. At the very least it is misleading or confusing. I believe Discount should be applied first in favor of customer as their advertisement is not clear. No warning at all that too much Seller Credits or Lender Credits will risk getting lower or zero Discount. read more

I used to have good experiences but i'm likely closing my accounts and moving somewhere that doesn't block access to available funds. I have been on the phone with several people over the last few hours clearing blocks after trying to make a purchase at apple and then confirming it was me with visa fraud protection. One manager put in her notes she called me back. No, you didn't Laura. they told me to call visa, visa told me to call the bank. After going through all that and being told i could just get a new card (another trip wasting my time) or to call them first so they could block fraud protections for the day. Seriously!? Then I saw a return I'd just made was coming into my account 30$+ short of the amount it should be at. Absolute joke. I'd find a more reliable place to house your $ Oh and they straight up lie in their marketing about no overdraft. they do, they charge you 5$ might be better than 25$ but still a blatant lie. read more

This bank does not support the troops of the United States Military. No customer service. I went in to update information for being active duty and they turned me away. Asked them what I needed to do since I am only in the state once a year if that and all my documents were in my state I am stationed at told me I will have to try again the next time I'm home. I'm information does not match who I am today and I came on home in emergency leave( without notice). There was no way to try documents. They told me I should switch banks if I'm not in Wisconsin and in the military now. Terrible service. I don't suggest this bank for anyone, especially those who are also serving along side me. I will be switching banks as soon as I can. read more

wow what a joke, these people do not care about you or your money. Well they will do what ever they want to take your money. I called there corporate number and talked to a Rachael that implied I was stupid and wanted to file a complaint and she said I had to file it with her. I called back and was directed to her again and said I wanted to file a complaint and she said she didn't have to file a complaint because she felt I didn't have a right to file a complaint that she implied I'm stupid. I will going into my local branch and filing a formal complaint with them and the BBB. read more

Have had very good banking experience with UW Credit and would highly recommend. My home loan experience was horrible, would NEVER consider a loan with them in the future. They sell your loan to a 3rd party and after that they provide zero assistance regarding the loan. They can't tell you the amount of the loan, or even connect you with who they sold your loan to, so basically it's the worst experience you can imagine. Do yourself a favor and do your home loan with the actual company that will hold the loan directly or at least with a bank/credit union that will help you with basic questions. read more

Had an issue with a fraud company but was told I was making it up so did not give me advice on how to resolve it. I was right of course but the three calls I made (only available during limited hours) were no help. Once I filed the claim myself, they were also supposed to respond within a week but took three. When the fraud company filed a rebuttal, it was clear the bank did not read it before sending it to me as it provided no new information (only stated the time and product purchased). Despite being a small bank, they have little to no appeal on the customer service side. read more

I worked with Matt on a HELOC. He was very knowledgeable, professional, helpful, always answered all of my questions, and was extremely responsive to e-mails and my phone calls. He made the entire process seamless and very efficient from start to finish - not to mention timely! We were able to close quickly. I highly recommend him. read more

Anytime you call and need to speak with somebody you are directed to a specialist where you are told your wait will be about 5 minutes your wait will not be 5 minutes your wait will be between 10 and 15 minutes if you go to a branch and you ask for assistance your wait will be 15 minutes because they will need you to speak with a specialist this is the dumbest system I've ever had to deal with. My other credit union you call they pick up you tell them what you need they take care of it the last call I had to make I was on the phone for 24 minutes for a mistake that UW made. read more

I have a vehicle loan through UW Credit Union, which is not a good situation for me as I don't particularly want to use any of their other services. They make things as difficult as possible for people with loans. Their web branch is terrible and leaves a lot to be desired. I will actively try to not work with UWCU in the future, and would encourage others to avoid them as well. Terrible place to get a loan. read more