Mission Federal Credit Union

Update:
Thank you for responding back to me after a week, Linda. No apologies either. Bad customer service.
I forgot to mention there were no instructions on how to make a payment. I assumed I would receive a statement in the mail. Nope. Nothing. Went to their online banking and signed on. Was told I could use a different checking acct to pay my monthly bill. Nope. Nothing. I’m going to flip out.
The portal is not user friendly either.
I used to go to sdccu and thought credit unions were safer. Also trying to support my local banks. Oh heck no. Worse decision ever!!! Someone needs to call me back so I can figure this all out. I would never recommend this bank to anyone even if it’s lower interest.
It’s more hassle than inconvenient. Get with the program and new technology.

Never had a problem until today!!! I was told over and over that i could detour my car payment in fact they where the ones that mention it. I have been with them for a few years but 5 months ago refinance with them and this month i needed to detour my payment i asked 3 months ago if it was possible they said YES, i came in after asked and they said YES. i came in last month i asked them again they said YES. I come in today and they said NO because it has to be 6 months after the initial finance. I told them i have been asking for the last 3 months and they all said Yes its possible and now you tell me NO?? I even told them i have been with them for years but again its because it has not been 6 months from the refinance then they cant do it. Im very disappointed in this place. Why??? Say yes i can do it when i asked all those times??? And now you say no its not like i asked the same person. every time i asked it was a different person and they all said YES. I needed to detour because i knew i was not going to have the full payment this month. All i have to say is you have to retrain everyone about this so this doesn’t happen to anyone else. And thanks for giving me false information.

Great service, short lines. Glad we switched to them!

Made an appointment to refinance my car loan. Got seen on time by Linda and I was in and out in under an hour. She showed me all my options and I felt confident in how everything was set up. Great service and no hassle.

I just got a car loan from this branch. It was probably the best service I’ve received at a bank. I’ve been banking at MFCU since they opened across the street from the Chase /​WaMu… Looks like a lot of people did the same thing as I notice a lot of customers from that branch. The teller lines do get slow at peak times. I think the tellers should recognize this, quit the chitchat and go into turbo mode. Unfortunately — they dont. Besides that, this is a great credit union to belong to. They have a free coin counter as well.

Everyone at this branch is really nice, knowledgeable and helpful. I would like to share an outstanding experience in particular. Christine P., Universal Sales Rep. & Teller gives a whole new definition to professionalism. I came into the branch with multiple and complex banking issues. She is thoroughly versed in what mission fed has to offer. She explained the processes slowly, carefully and patiently. She treated me like a world-​class customer and guided me to the most secure and profitable banking solutions. On top of all of her impressive qualities as a banker, the most important quality of all stood out the most: she really cares! I recommend this branch and especially Christine!

Opened a new account today! Courteous, friendly, helpful, and very knowledgeable staff… oh yea very patient because I asked too much questions. It’s clean and have adequate parking. So far I had a great customer service experience!

initially come off as friendly, probably to hide their incompetence.
A 45 minute procedure became a 5 day nightmare.
I would have passed it off as a coincidence or a perfect storm scenario but unfortunately too many poor reviews for it to be an exception.

Very friendly tellers. Parking is adequate. Clean location. They’re a bit stingy with their home loan interest rates. Typically a quarter post higher than other boutique lenders.

This review is not specifically for Carlsbad branch but for the entire Credit Union as a whole. This CU has a completely unreasonable, extremely risk averse policy for private party purchase car loans. I am the seller and the buyer is a member of the CU. This CU is requiring me to drive from LA to San Diego in order to verify the condition of my vehicle (after the buyer paid $ 180 for the PPI) and verify the car exists and is not stolen (title with my bank). Carfax doesn’t help. My insurance paperwork doesn’t prove ownership. Bill of sale from dealership where I bought it isn’t good enough either. They want me there in person. Totally unacceptable. Additionally, I’m a USAF officer (federal DoD employee!) and that didn’t hold any weight with them either. Surprisingly, you can apply for an account online.
Can’t wait to show up on Monday with my daughter in-​tow, hopped up on Mountain Dew, while we complete this transaction. Oh, I’m taking the day off. Buyer is taking the day off. My wife is taking the day off to drive me back home. Buyer’s wife is taking the day off to drive him there. 4x cars involved, 4x people’s time/​wages/​money involved for one simple transaction which is completed all over the United States every day, thousands of times a day, virtually. I’m buying a car in NH without ever seeing the car and having it shipped to California… imagine that! My bank didn’t need me present! This banks really needs to consider updating its policies so that it can be mroe accomodating to its members.

Since my fiancé and I don’t use this credit union for our normal everyday banking, this review is strictly for the service we received when refinancing our car loan during a promotion with Mission Fed. We worked with Roya who was professional, knowledgable and a joy to work with! She took her time to walk us through every step and we feel like she truly had our best interest in mind. We highly recommend her!

Absolute most incompetent service I’ve ever had, walked in without an appointment and signed in got introduced to Christine. Was already preapproved for a refinance over the phone, also was told that it was okay I came in on Saturday even know I did not have my car title that I could just fill out a simple piece of paper on that Saturday pay a $ 15 fee and everything would be fine.
After sitting at a desk for nearly 45 minutes and Christine constantly telling me she had no idea what was going on she was «» trying to learn and kept getting up leaving me at a desk asking questions to another individual at the bank. I get told that they are unable to assist me because their DMV department is closed on the weekends, why would you tell me as a bang that I can come into a branch on a Saturday and everything would be fine, then I do get there and you tell me you can’t help me on the weekends.
I’ll be taking my business elsewhere, to a bank that actually can help me on Saturdays and isn’t only open for a couple hours and has individuals that know what their job is and how to do it very competently!

I had a comment from the bank on my previous review stating that there were signs posted regarding an early closure. If that’s true, there weren’t any posted to be visible to anyone on the outside, on the day of the closure. I wasn’t only person to stand at the locked door and look for postings or explanations. If there was a sign posted on the OUTSIDE that was visible to the public (that was locked out), I certainly would not have written the review. Common courtesy was all that was needed.

This place is the worst. Very slow. Everytime I come here, it takes about 15 minutes to make a deposit.

The people in the Carlsbad Branch Of Mission Federal Credit Union are the most incompetent people I have ever come across in the financial industry. I took a car loan from them and they couldn’t figure out how to direct debit my bank account I went in to see them in person and the teller told me I would need to wait 10 minutes to talk to some one who knew anything. I waited an hour and then finally spoke to Anna the assistant manager who was totally ignorant on their procedures, have no idea how she became the assistant manager. After much consultation with 3 other employees, she determined it was beyond her capability to achieve the automatic debit, so she gave me coupons to mail payment in which I did to the address on the coupon. Now they can’t figure out how to credit that payment because my account is still showing unpaid Now I have to drive down again on Monday in person, and probably wait another hour to speak to people who are totally unniformed, and who give terrible customer service
If I had known this financial institution hired people with no knowledge and that this process would be such a hassle I would never have used them for my loan
Stay away unless you want a difficult time with your loan

Been coming to this location for years solely for the purpose of the ATM. I use a different credit union but this is the closest CU ATM to my house and 99% of Credit Union ATM’s are fee free.
A guy owed me some money and wrote me a check from his business account drawn at MFCU. I went in to this branch to cash it and when I got to the window I was informed that since i didn’t have an account with them there would be a $ 5 fee for giving me the money. WHAT??? This isn’t a payday loan place, it’s not a check cashing facility. It’s not even Bank of America! It’s the bank a check is drawn from! What complete bull$hit.
Needles to say I took the check to my Credit Union and deposited it.
Mission Fed… Inconvenient and rude!!!

Anyone else have this bank more than once tell you the atm deposit you made was incorrect and charge a bunch of fees!!! It’s happened to me twice now and w/​in a month. And I made sure the 2^nd time to have others count the $ as well and they still said it was incorrect. First for $ 100 then $ 25! Then a $ 20 fee each time for «ATM adjustment»!!

This is an excellent credit union location.
My wife and I were able to link our accounts, transfer money and get a cashiers check within just a few minutes of being called to the front counter. The staff was helpful and courteous. The parking in this location is acceptable and is not cluttered with nearby business traffic like the San Marcos branch. I will do all of my banking here when I have to visit a local branch.