Kern Federal Credit Union

I purchased a house and received a home loan through KFCU. Many years later I realized this was a bad idea. They basically told me whatever I wanted to hear in order to get me to sign off on the loan. I trusted them, when I should have known never to trust anyone giving you a home loan.
If you plan to come here for your first home loan, don’t trust what they say. Ask questions and get everything in writing. Don’t make the same mistakes I did.

I have been a member at KFCU for 12+ years and they never disappoint. Anytime an issue has come up, the customer service call center has been prompt to find resolution. I LOVE my KASASA checking account. It pays me every month just for having it. The staff are knowledgeable and kind.

Their lines are not long compared to other banks in town.

I’ve had an account here for a while, and this place all over with their service. The lines at the downtown location are nuts, as are the wait times for other services.
I applied for a credit card and had to wait for it to be approved. I went back the next day to sign papers and waited 45 minutes for someone to come available. When I told the front desk person I couldn’t wait anymore and had to leave, she said she’d check if anyone else was available. Then she took another ten minutes to let me know that no one was.
But they don’t make appointments, they’re quick to mention that, so good luck ever getting anything done.
They also screwed up on a money order I bought recently. They overstated the amount on the order then charged me an extra $ 40 the next day. Of course I was in a hurry and didn’t immediately check the amount carefully (it looked correct at a glance), but when I did, I called in about the mistake and was told I needed to come in and wait in line to have it corrected. They wouldn’t help me sooner or anything like that.
I think it’s kind of messed up that members have to pay fees when they make mistakes with their accounts, but the bank basically tells you to bend over when they screw up. I didn’t want to go to a big bank but I think I’m done with these guys.

The useful, helpful, and friendly KFCU I joined 31 years ago is long gone. This is a very poorly run organization that appears to have been designed to be so. It’s clear that their bottom line is not the customers. I have lots more money in other banks/​credit unions that this organization will never see. Do yourself a favor and go elsewhere. This place has lost its’ way.

KFCU is a joke. Their customer service is horrible. They treat you as if you are a criminal trying to pull one over on them. I no longer live in Kern County. I paid off my credit card with them in full and they claim to never have received the check. I sent the payment a week before the due date. I had to cancel that check and send a new one so I was already irritated. When I sent the 2^nd check, there was a late fee since it was after the due date. They refused to waive it. They said it wasn’t their fault. This was the final straw. I’m more then happy to not be banking with them any more. Do yourself a favor and bank with anyone else besides them if you live in Kern County. No hard working honest person deserves to be treated like a criminal.

I’m so irritated with them. We have our car loan through them. When I mailed the payment last time, I mistakenly sent them the wrong check. I called to ask them to hold it, but the person I needed to talk to wasn’t available. I forgot to call them back, but they cashed the check anyway after they scratched out the payee’s name and scrawled KFCU in. I’m anticipating a headache trying to get that money back.
I would just pay the thing online, but their online setup charges an extra $ 10 a month for that.

I love the staff at Kern Federal Credit Union! They are so warm and engaging! Highly recommended!