Loan officers that used to care about your needs to being shut downright away when I needed another loan. I left took my money to Shell credit union and it's been the best experience ever! I never will go back to Smart Financial!!

I have been a member starting with the Teacher's Credit Union in 1969. I have been so disappointed with the promises and reassurances I have received during the past few years. I am considering changing to a bank that will listen and take appropriate action when needed. As of yet I have not experienced that in a very long time.

My issue was handled professionally and quickly. I couldn’t have asked for any better service. A big thank you to the young lady that assisted me.

We were told by a SFCU agent on the phone that the mortgage document we needed could be picked up at a local office. Not only was that not true but talking to the mortgage officer was difficult and felt unimportant as a customer.

Love the staff at the Sugarland location ( the way they always greet you upon entering) HOWEVER once you enter, nobody can help you. I don’t like having to enter and then go to a MACHINe for transaction. Hire face-to face tellers!! Having to make deposits is very awkward and time consuming with a machine.

No live tellers in the lobby. Virtual tellers are difficult to understand AND entire lobby can hear. No privacy at all. No drive thru. Statements are difficult to read.

Back to April 2025, I got an auto loan for $220,000 from SFCU and I had traded in for worth $185,000. I had repeatedly informed the loan officer that the tax should only be collected on the difference, which is $35,000. However, the SFCU title department insisted on collecting the full taxes based on the $220,000 car value and promised to refund the overage. This was a blatant mistake, as I was knowingly paying an incorrect amount and would receive a refund.I deposited the full amount of taxes, but the title application took over 30 days to complete. As a result, I was charged a $500 late penalty for the delayed title work. It was unfair that I had to bear the responsibility for this fee when I was not the one responsible for the title work.Four months later, I received a refund that was incorrect. I had to contact the office again to correct the tax error. Finally, after total of five months, I was able to receive my full $12,000 tax refund.This entire situation could have been avoided if the SFCU title department had simply collected the correct amount of taxes when I had informed them so many times.Besides this, Jacqueline has been super patient with me, and helped me with this entire thing. Instead paying you dumb title department, you should pay her more.

Interest rate on checking and fees. About to close checking acct because doesn't mesh with retirement income

It is hard to add a non-US phone number. There are limited options of ATMs, branches, etc. Limited time to contact.

Accessing your online account is very difficult and confusing.