SAC Federal Credit Union

Take your money and run to a better banking institution. First, they don’t give you an ATM card if you have a savings account. They did for me when I opened one up through them 2 years prior, but now they won’t do it. Second, my girlfriend opened up an account with them to get her tax refund check cashed and was not informed that if she closed the account in less than a month, that there was a $ 25 closing fee which by the way was also not shown on any of the pamphlets or documents they gave her when she opened up her account, they also kept lying about the time that her money would be available for release for her to use and would change the date each time she called, hence why she closed said account with them. Third, if you call to find out your account balance and speak to a live person, they will charge you two dollars just to tell you your account balance. All in all, I can honestly say that I’d rather keep my money in a jar than put any money in their bank. Shop around there are better banks to put your money in.

We sought out a federal credit union, after many friends and family suggested to do so over having a normal bank account. ‘For the people, not the money’, right? Well, not so much.
I read up online of credit unions in my area. I found the one with the highest ratings and best reviews. (SAC) I spoke with some customers at my job who used SAC cards during checkout and they spoke highly of the credit union. I took my savings and went to open an account. The business is small. I liked that, they were having a good time in the building and smiling and laughing. It was a very pleasant experience to sign up with them. We had laughs and left very happy and feeling good about the choice we made. It was fast, and easy, and very welcoming. (this is why they are getting two stars, instead of one.)
After a while we decided to refinance our vehicle through SAC. They told us to get our loan down to X-​Amount and fax them X-​Information and we’d go in to sign the new loan. We were insured it was that easy! We worked VERY hard at this goal. Bringing down the payments of a vehicle would help ease the pain and struggling we’ve had since our previous car broke and we were forced to get a new one. So we paid –thousands– of dollars to our current car loan to bring the payment down to said X-​Amount. During this time if we had questions we’d call SAC. Often we’d get no answer even during business hours. We’d leave messages on their office machine to have them call us back to NO avail. Not too upset at this, we keep trying every day until we finally (after 3 days of calling throughout the day DURING business hours) get a hold of them. We get fax info and fax them the information they want. The woman we spoke to said she’d work on our loan the next day due to her being off work soon. Ok. That’s fine too. We were very excited to get this loan down! With the holidays sneaking up, this would be perfect. The next day, she didn’t call us back. Day 3, we called her bright and early to hopefully get in and sign the new loan.
Oh. But wait.
She apparently lied to us. For no reason. Nothing to gain, even. She told us that now we have to get our loan down past This-​New-​X-​Amount. And that now we need to get a ‘Mechanic Appraisal’ since the vehicle is over X-​Amount of miles. (Which she new from SQUARE ONE!) Very strange that she didn’t know this before hand. Or even look into it before assuring us the wrong info.
I would NEVER recommend this credit union to anyone I know. I wouldn’t even suggest this place to someone I disliked. I plan on taking my business elsewhere. I would LOVE to have been told the CORRECT information before wasting my time with this LOUSY service. ‘For the people’ my ass.
I know my situation is probably unique. Probably doesn’t happen to many people. But it has the chance of happening. Do research and find another credit union. You don’t want to chance someone telling you lies.

The employees there are very nice and helpful. It is inside Walmart in the front about half way between the doors.