Alaska USA Federal Credit Union

Like other reviewers on here, my experience with this bank has been awful.
I have a car loan through this credit union.
When I call, 4 out of 5 representatives in member services are snotty and rushed when they speak to you.
I requested an extension on my payment one month due to unexpected medical emergencies, the lady insisted that deferring the loan would be in my best interest. I asked if there would be a late fee or a notch marked on my credit report if I did that and couldn’t make the payment within the grace period (BECAUSE if so, it would be a waste of my time to agree to it and go through the hassle.) She tells me no and that as a courtesy they would deffer with no penalties. OK. After that I was contacted 2 more times to jump through hoops to get «approved» for the deferment I was TALKED INTO. THEN they never call me back. I call the day before my payment is due (about ²⁄₃ weeks later) and the representative tells me «Oh yeah it went through». I ask why no one contacted me as promised and her response was «Ya know I really don’t know».
Now I go through the hassle of signing up for their SEPARATE system to track payments (what bank doesn’t have their own online system in 2015??) and I see a $ 15 late charge that month. BOOM. Now I have to get my credit report and dispute it if they marked a negative on there.
Worse still, I call to get it reviewed the «easy» way and after 40 mins and 3 transfers i’m put on hold and HUNG UP on. REALLY? Other banks I use are more than happy to waive a late fee if you are in good standing with them. They certainly don’t have to transfer me to 3 departments to get it done either. What a waste of Alaska USA’s money to pay employees to do that.
I guess they’d rather I refinance or pay off early so they can lose out on the finance charges and ever having me as a customer again.
I will be closing the savings they required me to sign up for upon getting the loan and will never use them or their sister branches again for any account or loan needs.
I wrote this all out in detail hoping it would help others make a better choice about who they bank and finance with.

They messed up with my account, so none of my direct deposits was working, I called and customer service was not helpful, not nice at all. I went to the local branch to close my checking account because of all fees and messed they made, they fixed and canceled all extra fees they charged me, so I decided to give them a second chance. Will see how things go. However, their customer service in India or wherever, is extremely rude

I had a horrible experience with this bank (corporate), which will lead me to cancel the account…
My account was levied by the «financially stable» state of California — by court order. It was done because they thought I was still residing there with a motorcycle — I am not. The franchise tax board faxed a letter to cease the levy, due to the motorcycle no longer being in California.
This caused one problem… the $ 40 levy fee that was imposed by AK USA. They will not reverse it because it’s not an error, even though the tax board faxed a letter, because it should not of taken place. They wish to not retain this membership… but they can reverse overdraft fees. Makes no sense. I’ll be Canceling tonight.

I have several loans and a credit card through ALASKA USA. Granted, I have only been a member for slightly over a year but they have been great to deal with.
They have offered me the lowest interest rates on all my loans and credit card, in fact, they seem to offer me the best rates for everything.
Like most reviews, you have to take it with a grain of salt. There will always be reviews condemning or praising them, just cant base your reviews on one incident.
For me, it took a year to see the pros and cons over my present bank.
So after being a customer of Chase, BOA and Seafirst for 25 years + I have finally pulled the trigger to move all my accounts to AK USA.
No regrets yet.

Fifty years behind the times. If you deposit a check in an Alaska Federal ATM, Alaska Federal makes absolutely NONE of the funds available for at least two days – and if a weekend falls in the middle – it might be five days or more. (eg. Deposit on Thursday, available on Tuesday). I think Alaska Federal is stuck back in the 1950’s or something.

i have a car loan with alaska usa and i have only had the loan for a few months. beware they will send you harassing letters about your auto insurance. i have and pay my auto insurance every single month, no lapses and have sent notification to alaska usa twice already and they are now sending me another letter telling me my insurance has been cancelled. i have confirmed that it has not been cancelled by my insurance company. now alaska wants me to send proof for a third time. this is totally ridiculous. i am having a bad experience with them. i am a highly responsible person and i dont appreciate the bad customer service and negligence alaska usa!!! whatever you do not deal with this bank.

I just closed all of my accounts with these people and switched to BECU. The way they stick you with fees right and left without flexability or compassion, they are really no better than the big banks. I finally made my last payment on a home equity loan today only to be stuck with a $ 135 closing fee on the loan. I’ve been at BECU simultaneously and have had a much better experience with them.

I paid off my car loan and mistakenly overpaid by about $ 40. I can’t get my money returned!

I had a great experience here with Jen Diaz — she was so helpful, very courteous and made me feel great about signing up for a loan. In general, Alaska USA is a great credit union and I am happy to be banking with them.

I love this Credit Union they are such an awesome group with excellent customer care. They are like good friends.

Great place to do business. They are always cordial and its nice to know when some recognizes you when you come into do your banking. I’ve been more than satisfied with Alaska USA in general. They’re hours are second to none. When your open 7 days a week your good in my book.

Great hours, great folks behind the counter. The only thing I don’t like is the lack of privacy when withdrawing money. They count out your money a little too loudly for my comfort.

quality and professional staff — caring group of employees who know customers by name — I feel safe banking with them knowing the staff has by best interest at heart. A++