Members Cooperative Credit Union in Cloquet, Minnesota

Unfortunately, there isn't a rating low enough to apply to this institution. The people are rude, unwilling to admit they made a mistake, have charged us with numerous unwarranted overdrafts over the years and recently two overdrafts when an outside business with which we did not do business, "accidentally" withdrew a large amount from our account instead of the correct account. When I brought this to the attention of the credit union, I was told they could only refund one of the overdrafts in spite of the fact that the entire transaction was a mistake on the part of an outside business. The clerk who dealt with this mistaken withdrawal was extremely rude, condescending and constantly interrupted every sentence I attempted to utter. I wanted to speak with Stephanie, the manager, and expressed this to this particular clerk. I told her that I wanted her to tell Stephanie.....at which point she interrupted me and said, "I don't TELL my boss anything" which indicates a sad lack of communication on the part of these employees if they cannot speak freely about members' needs with other employees. Why the intimidation? This clerk also accused me of being rude, to which I replied that I was not being rude simply by requesting a correction of the credit union's mistake. My husband and I have been members for many years and have witnessed the deterioration of this credit union, especially since they moved to their new location. We have removed our business from this rude, incompetent and dishonest institution and advise anyone looking for a decent, honest banking experience to steer clear of this place. During a recent deposit a few weeks ago, I noticed that the clerk had made an error in the amount I had deposited, shorting me by $10.00 I went back and pointed out the error to the manager who argued that the clerk was correct. I asked to speak directly to the clerk but was told that the day I made the deposit was her last day. That particular clerk also had told her manager that she thought the money I was depositing was "play" or "fake". Who trains these people? The clerk also admired the coins which were silver dollars and other specialty coins minted several years ago to resemble quarters although they were dollar coins. The clerk and I counted the coins together and agreed on the correct total. Apparently, she made a mistake and entered the incorrect total. When I asked the credit union for verification, I was told that a camera recorded all transactions. I asked to see the film but was told "Oh, we can't invade the other customers' privacy". Since I was the only person near the counter at the time, there were no other customers whose privacy would have been invaded. Does this "privacy" not extend to a member who has been cheated and has the right to be shown proof? We have notified the Better Business Bureau, the Attorney General and the Consumer Protection Agency.

Wouldn't put money here if my life depended on it. Some of the rudest customer service people I have ever met. If your elderly parents have money here. Get it out now before they pass on! There are better places to deposit money.

Trying to get through to an actual person at your local bank or anyone for that matter is impossible! Tried calling to ask a simple question that would have taken probably 1 minute to answer. I spent more time on the automated system to where I got lost with all the different buttons I was pushing and after 10 minutes I got no one and was sent back to the beginning. Automated system is an absolute joke!

When you call their phone number, you cant talk to a real person unless it's about a loan. Other wise its all an automated voice talking in loops. Its starts by saying, "we know its important to talk to a real person, thats why we make sure to provide that option." Or something to that effect and it doesnt actually give you an option to talk to a real person about anything else other than a loan. If you do happen to call the loan part (because its the only way to talk to a real person), they take your number and tell you someone will call you back. Well they havnt yet.

We just refinanced my vehicle with MCCU and the process couldn’t have gone smoother! Great customer service, friendly staff, quick turn-around and my interest rate was almost cut in half by switching to a credit union for financing. I would highly recommend them to any of my friends or family.