Public Service Credit Union – Thornton

If I could give no stars I would! Horrible horrible place all they do is rip you off! I have a car loan with them and was broke a couple months so I couldn’t pay for my insurance so they charge me $ 2400 for 6 months of «their» insurance. Understandable it was my fault I had a lapse… Well I got my own insurance and I’ve had it for over year they’ve still been charging me that extra $ 2400 for their insurance, you have to wait 30 to 40 minutes to get in touch with someone on the phone. Once I finally did they said I never faxed the declaration page of my insurance which is false I had my insurance company fax it three different occasions… And I talked to someone at PCSU 6 months ago, and she told me everything was fine everything was received I didn’t have to worry anymore… I just get a statement in the mail after not receiving one since August, and it says they’re charging me for their CPI insurance AGAIN!!! Adding another $ 2400!!! WHAT THE F… Don’t bank with them and less you want to get robbed!

My actual credit union is not PSCU, but I use them because they are closer. My credit union has a total of two locations in all of Colorado and neither location is close to me. Due to the lack of locations for my credit union I have used other credit unions near me and my best experiences have been at PSCU.
I have alwasy experienced very friendly tellers. The only reason I won’t give it five stars is they are not my credit union so I really don’t know enough about them to provide additional information beyond their customer service.
This location is quite busy, but normally they have at least four tellers working so the line goes fast. They are adding on a drive– thru so I am not sure if that will negaitvely impact the wait times or not. As with any bank Fridays and Saturdays are probably days to avoid if possible.

This review is solely for the auto loan department. I had to set up an account with them in order to obtain their great auto loan rates so we’ll see how that goes, but their auto loan department garnered 4 stars.
It took me 15 minutes max to set up an account and get approved for an auto loan. It was a no-​fuss, no-​hassle, no-b.s. type of deal. I knew what car I wanted, let them know, Victoria, my account agent, ran me through the procedure of buying my first car and made sure I got the best rate available — 2.9% on a used 2004 Jeep! She also took the time to explain to me what principal interest vs. interest means, and translated all sorts of related financial mumbo jumbo in layman’s terms for me with patience and a sense of humor.
She was thorough and made sure I was getting the options and payment dates I wanted and would be best for me. I was supposed to have a buyers order faxed over to her the next morning but couldn’t get the time off work and she called to check up, which made me feel as though she were my personal agent, and not managing 20 other people. The other clerks were helpful and the lines moved fast when I made my first deposit on my account. I felt very taken care of throughout the entire process which made going thru the motions of buying my first car not as scary as I thought it would be. They also offer free GAP insurance!
I went thru options with clerks from TCF Bank (my primary bank account) — who start their interest rates at a crazy 10%!, Chase Bank — who were willing to give me a 3.9% interest rate but ONLY on a 2010 vehicle, and 5.9% on anything before 2004 (boo), and my dad’s dealership financing dept — who were willing to get me a 4% interest rate and Public Service outshone all 3.
In the end, my family and boyfriend went thru the paperwork with me and everything is completely legit. The clerks at this Public Service location are very sweet and the auto loan –along with my new Jeep!- are everything I was hoping for.

Do not let the professional look of this establishment fool you. I have been a member of my original credit union for 20 years. It is located in Phoenix, AZ and now that my husband and I have made Colorado our home for the past 5 years it was time to move our banking to a more convenient location. I wanted to stay with a credit union because that is all that I know. This place sucks! I have never in my life incurred more fees. I have only been a member for 4 months and have gotten $ 225 worth of fees. We were transferring accounts through the credit unions and my husband was transferring his direct deposit from his employer. We had money in our AZ account that deposited. I thought the direct deposit had cleared our new CO account. I went to 3 drive-​ins in a matter of 20 minutes. My 3 year old wanted McDonald’s, I wanted Sonic and my husband wanted Jack in the Box. We over drew our account. The credit union cleared each of the transactions and we were charged $ 33 each time. If it had declined the charges we could have contacted the bank and fixed the accounts, but no $ 25 worth of food cost $ 99 in fees! I went in and complained to the bank and they credited back ½ of the fees, and lectured me on proper banking. I had to promise to set up account alerts. Are you kidding me! I fixed the account balances and thought I was done with that problem. Then, come to find out that their insufficient funds fee does not mean insufficient funds. It means you have gone below your available balance. This means that you account can stay in the black and you will still be charged for dropping below zero. i.e.: If you have $ 100 in your account and have $ 110 pending to be charged you will be fined $ 33 even if you deposit $ 20 in to cover the charges before the money clears. This happened to us twice. Both days we had outstanding pending charges I deposited over $ 1000 in our account the same day. I was told by the customer service rep that this is «basic banking 101» and that even my credit union in AZ would do the same. Not true! I just opened an account today at Wells Fargo and the woman that helped me told me that that is bad banking practice, and that as long as we have money in our account to cover the charges when they clear we will not be charged a fee. Do not bank with these people!!! You will be sorry; I have never been treated so badly by a place that holds my money. I am doing them a favor by letting them keep it, they make money off of my money, and I guess they make money off of trumped up charges. I cannot afford to bank here, and I don’t know anyone who can.