GreenState Credit Union in North Liberty, Iowa

I was attracted to this credit union because of decent deposit rates and the absence of fees on incoming transfers. I was tired of paying high fees at my old bank to receive wire transfers into my account. With a few weeks of opening the account, the interest rate dropped 14%. A few months later, a new charge started showing up on my incoming wire transfers. This was all disappointing, but what made it more upsetting was the total absence of customer service. When I tried to talk to someone at the bank -- the account officer who opened my account was never available -- I had to leave on the first two occasions after sitting there for 15-20 minutes (this in an office where employees outnumbered customers by about 5 to 1). The third time I was able to wait long enough to talk to an account officer, and he merely told me what I already knew -- my interest earnings went down and I was being dinged by a new fee. Rates go up and down, but I explained that I opened the account largely because I was told there would be no fee. He showed no interest in trying to solve the problem -- not even trying to connect me with a decision maker. I explained to him that I expected better service at a local credit union than I received at a money center bank, but I experienced just the opposite. Unlike at a big bank, there is no benefit to carrying a large balance because this credit union treats everyone equally bad. As I got up to leave, he glibly said, "Let us know if there's anything else we can do to help you." All I could say was, "You haven't helped me."

Cindy is great at the North Liberty location, very helpful and informative! Thank you for all your help!

When we were members, they purposefully hid pending transactions from your available balance- predatory banking to try and get individuals to overdraft. I literally had a teller tell me to "use a checkbook register" to write down all my debit card transactions if I wanted an available balance. Also the fees- as another reviewer mentioned- are bananas. I will not pay to use my debit card as a debit card. They do this because they make more money off you hitting the credit button. EDIT TO POST BASED ON RESPONSE FROM UICCU: I have to disagree on the pending transactions (at least the way your systems worked at the time, perhaps you've upgraded). For one, I couldn't run my transaction as debit at the time because of your fees (but kudos to you for finally getting rid of that). But it was not always a merchant issue. One teller said to me "I can see MY pending transactions, because I'm an employee, but I can't see yours". That's the credit union hiding the transactions until it officially posts. The bank I switched to after UICCU shows me pending transactions immediately after swiping my card via their online banking/app. UICCU would take up to 5 days for transactions at the SAME merchant. The only exceptions should be gas stations, where a smaller amount is initially held (but I should still be able to SEE the smaller amount) and some online retailers who don't physically swipe my card.

Terrible, terrible customer service. I would never bank with them again.

They do a great job getting you taken care of in a timely manner and are very professional. They have a fair number of products available but are not pushy in offering them!