University of Iowa Community Credit Union

Had an awful experience with an auto loan. Credit union refuses to communicate by anything other than physical mail, which makes it hard for a student/​young professional to have a reasonable line of communication with them. That combined with the small font stuff when you sign the loan, their unusable online banking makes me stay away from this bank as far as possible.

Initially had a good experience banking here in 2013. Now we live out of state and it is horribly inconvenient and the phone customer service is a joke. I’ve never had such terrible, condescending customer service anywhere else. Because we don’t live in IA any longer, we have $ 30+ in fees every month for atm use. We are in the process of completely moving all of our banking services.

All the hassles of a big bank with none of the convenience. Three words summarize this institution and its employees: lazy, unprofessional, and incompetent.
Hours are designed to keep you away. Promised callbacks never occur. Each month is a spinning roulette wheel of new surprise fees. All staff at all levels, from the tellers to the loan and investment officers, make it very obvious that they do not care about you or your business, unless they smell «cross-​sell opportunity». Even that doesn’t make them care very much.
I’ve been with the UICCU since ’03 and have not had a single experience above «OK» quality in the last 5 years. I have not had a single positive experience in the last 2 years. I’m only still here because the hassle of moving money is so great, but today’s experience has reaffirmed that this is an institution that deserves to be bankrupted and forgotten.
Don’t take my word for it. Go to the University of Iowa Hospitals and Clinics. Note that their onsite financial institution of choice is Hills Bank. If that doesn’t tell you the story, I don’t know what does.

crooked. (and the website is always on the fritz.)

UICCU sums up everything that is wrong with modern banking. Their lack of service, constant greed, and anti-​customer policies make it a nightmare to do business here. I’ve had bank accounts with close to a dozen different banks — including the national ones — and this has by far been my worst experience.
1) Greed is all that motivates UICCU. If they can find a way to charge you a fee, they will. UICCU cares only about making money, not about customer welfare.
Under my plan, I’m charged a fee everytime I use my card as debit and whenever I use a non-​UICCU ATM. This is a problem since the credit union shut down almost all of its direct campus ATMs, meaning that you either get stuck with the fee or effectively have no ATM access.
Once I misplaced my checkbook and asked them for one temporary check. They printed it off. I thought it was awfully nice of them and then I saw a charge against my account for a few dollars.
UICCU will kick customers when they’re already down. When my card was lost/​stolen, I was told that I’d be charged $ 15 – 20 for a replacement. Even the mega-​banks like Chase have never imposed that kind of fee on me. The worst part is that my replacement card never showed up. That was a sign that I needed to bank elsewhere.
2) UICCU employs hyper-​aggressive, deceptive sales tactics. Also aimed at earning them money to your detriment.
For several weeks, everytime I came in, I was bombarded with sales pitches about their new credit card. I told them every time that I was not interested and that I probably wouldn’t qualify anyway (as a student with low income). They persisted in asking me for weeks after that. Finally my resolve broke down and I asked for more information. I explained my situation to the banker, that I had only RA-​income and income from a small business that was a few months old. He assured me that I qualified and would receive the new loan, so I went ahead and signed on the dotted line. Days later he told me that there was a problem with my application, since I didn’t have enough year-​round income (which I already warned him about). I sincerely tried to follow up and get the application through but received no response. I did nothing but waste my time and injure my credit score by giving UICCU a fair chance.
The bottom line is this — don’t bank with UICCU. There are few incentives and you do so at your own peril. If you roll the dice and bank at a random credit union, you almost certainly be happier. It does not get worse than this.

Nice people but they screwed me on both, my mortgage and auto loan. Try another bank.