SAFE Credit Union

I have a car loan with them so I am pleased with that but for a checking account they will charge $ 10 if you don’t use it. So I’m closing it down…

Came in with my friend today and I must admit I was very amazed by how big this bank is. It is very clean and the atmosphere was quiet.
The bank when we entered was not busy at first. My friend was the second person in line and it took quite a minute before she was called to the window. It looked as if they only had 2 cashiers working the windows. Once she was out of that line and wanted to speak with customers service, we had to wait again. And that was a wait with just one person ahead of her.
Before we left the bank there was a long line and I thought the service here personally is too slow for me. She was trying to encourage me to bank with Safe, but I don’t think I’m looking for another slow or bad service bank.
This was my first time in this Safe bank, but I don’t think that Safe is what I’m looking for. Its really clean. The parking lot is sufficient and its in a nice area at Laguna/​Brucefield. But I’m good.
I will admit I know nothing about their fees or any requirements to bank with them. Just know I don’t want to bank here!

I’ve been a member for about 3 years now and they’ve been my very first credit union for my financial needs and I thought, my wants.
Background about myself, I’ve held my job for two years which is a fair amount of time to show stability, a credit score (in a 6 month span to date) ranging from 720 to 740 across all credit reporting bureas. No closed accounts, no delinquencies, nothing. 5 open accounts. Total credit limit of about $ 12,500.
I’ve applied for an Auto Loan about 3 times with this useless organization and have been declined every single time or required a cosigner.
I’ve had a Secured Visa ($ 500) that’s been open for about 2 – 3 years with SAFE. When I was first signing up, the employee told me that later on, I’d be able to ‘change’ it to an unsecured visa. Well well, years later, this is probably my most useless card with a $ 15 annual fee tacked onto it. I was, I’ll admit, blind to my own responsibility to do my own research before going onward with this secured visa but, I’d have thought with a company that brings forth the customer first, I’d have received a little more guidance or clarification or dare I say, Truth, to my choice.
You can bet that I’m going to withdraw all my funds and close that account and move over to another institution. Everytime I needed a hand, everytime I needed Something, however small, SAFE Credit Union has not been there for me. Ever.
Customer service was standard as per most places, but you can’t paint a pig pretty and not notice that it’s a pig.
(A figure of speech. I honestly think pigs are adorable, but, that’s besides the point)
:edit, 5 minutes after review: After reading some of the reviews, I was reminded of how bad my experience actually was with this whole place. Here’s a short list.
About 8 available windows with only 2 people working, slowly taking care of a customers issues (imagine the line), overdraft protection with money in savings but still getting a $ 28+ fee, low daily limit on withdrawal from an ATM that they Never changed for me. I Literally had to walk in to brave the horrid wait time. I’ll update as things come to mind.

I’ve been a safe member for almost 15 years and to find out that Safe penalizes the member for deposited check is completely absurd. They have no way of holding the check holder accountable so whoever deposits it is held accountable. I have never experienced such a horrible customer service from safe credit union until now. A true disappointment. Thank you Marisa from the call center leadership team for nothing.

First of all, this bank is wonderful. I had a wonderful experience when I first opened my account in January. I am moving to Elk Grove, and my boyfriend wanted to get me set up before I did that.
Fast forward to today. I broke my ankle several weeks ago and am unable to get to a shared branch to withdraw more than my daily limit. I called and spoke to Nick, who went above and beyond to get permission to increase my daily limit for 24 hours so that I could hobble over to the nearest ATM and withdraw my rent money. I need to give Nick and his supervisor who gave him the thumbs up to help me out, major kudos! Customer service at it’s finest. I will be calling Nick for our loan and refinancing needs in the future. If Nick’s boss is reading this (he’s the only one in your call center) give him a gold star, or a raise!

Absolutely the worst service I have ever gotten!!! I cannot believe how they treated me ! I started off waiting about 20 minutes in line for the teller to tell me that they couldn’t help me and I needed to go to the front desk ! When I finally got up there, there wasn’t anybody to greet me at all ! After about a five minute wait, the same exact teller that told me he could not help me, came up there to help other customers !! I told him I was very disappointed in the service and I would like to speak to a manager. He walked around the branch and couldn’t find anyone and then told me his manager was outside on a smoke break ! ARE YOU KIDDING ME !? Finally the manger came in and completely smelled on smoke ! He basically said they were really short staffed and that was it ! I told him I was closing my account, he apparently didn’t care as he kept trying to push a member day to bring in my friends !! NEVER GOING TO THAT BRANCH OR ANY OTHERS!!!

Take your money elsewhere. My wife and I have had an account for almost 4 years and they would not correct a mistake that they made costing us $ 115. We have never had any problems until they screwed up. Now we are closing our account and looking for a new credit union.

I usually have a good experience at this safe credit union. Unfortunately I had one of the worse experiences here just about 4 days ago that left me with a bad taste in my mouth. My pin on my card had not been working so I went over about an hour before I had to work. I went to the front and instead of a greeting I received nothing. When I finally was allowed to go to the member service desk the man, whose badge said he was the branch supervisor, didn’t look at me or anything n asked me for my ID. I gave it to him and told him what was going on. I figured it would be a 2 minute thing but he decided to have me sit down for what he said was going to be 5 – 10 mins. 30 mins later I needed to go to work so I decided to let them know that I was leaving n still not looking at me he said ok. I don’t appreciate the fact that that man was not apologetic or even concerned about a customer not getting amazing service. Don’t go in there unless u have hella time to spend.

Why do I have to pay $ 48 in overdraft fees when I have $ in my savings and I have overdraft protection?! This is the answer I received from Victoria, the sales lead, «We only allow 6 transfers a month between accounts so if you used your mobile or internet and if the bank transferred money for overdraft protection then those count too. This is federal policy.» Yeah right. Then why the hell do I have overdraft protection when it has a damn limit?! Its so contradictory how credit unions have the name for «no hidden fees» but they put limits on everything to gobble your hard earned $ up. Bullshit. This bank gives me more trouble than anything else in my life. I’m switching banks! Besides the lines are sooooooooooo slow. They had 4 bankers open and I stood in line for 5 mins as the only customer before the banker who was helping another customer helped me. Wtf. Waste of my $. If you want your $ taken from you, don’t bank here.

Great service!
I have been a member forever and never had any issues. They are always so nice and helpful when you go in.
Recently I lost my wallet which had my whole life in it. I went into safe and they made the whole process of getting a new card so easy. I was so grateful for the simplicity of it all and it only took a few minutes.
Now I have a new card and I can stop worrying about someone stealing my identity lol.
Thanks safe! 5 stars for being awesome!

Slow. as. hell.
Just waited 45 minutes for them to finally tell me they don’t have time to open my daughter’s account. I bank there to save money on fees, but the TERRIBLE customer service and the ridiculous rules make it not worth what I’m saving. Don’t bank here. Find another credit union.

Poor service. The representative are not personable nor helpful. They do not go above and beyond for their members.

This branch is terrible. I already have my auto loan with Safe so I wanted to open my husband’s auto loan there as well. I called to make an appointment and I was told an appointment was not necessary as long as we arrived by 5:45pm. We made it in the branch at 5:40pm and the female that helped us said we needed to come back tomorrow. We watched her call another banker who was dashing out the door who denied helping us and apologized that she wasn’t trained in what we needed. Needless to say we did not open our auto loan through them and I plan on closing my accts.

This branch is a flippin’ joke! More so, the whole bank is a joke, really. You can speak with four different people as to which documents/​info are required to open a business account and get six different answers. I went to open the account with the lady I spoke to, brought all of the documents she requested. Apparently she has a selective memory because she didn’t recall our conversation about the documents. Whatever, I’ll take my business elsewhere.

I’ve banked with Safe for many years and it’s actually first bank I banked with and I must say its as good as it gets. Because its a union they don’t have hidden fees and everything they tell you when you sign up with them is pretty much it. I’ve banked with the top named banks before and they all have a minimum balance that you have to keep and its usually in the thousands that you have to keep and if you go under they’ll charge you and a bunch other hidden charges and members fee and so on and its not worth your time. Therefore I definitely recommend banking with Safe. I think the minimum balance you have to keep is no more then 50 buck. I’m sure its less. If your credit card was stolen they resolve it quickly with no hassle. To top it off its clean, workers are friendly and they’re usually fast. You get in and out fairly quickly.

I don’t call it a bank, I call it a Credit Union

This bank is a joke, if you even want to call it a bank.

So I open a savings account here. A few weeks later, I deposit my FEDERAL TAX RETURN CHECK and ask for cash back from the check. They said they had to put a 7 day hold on the check. I say WHAT?! I ask the teller, you think this is a fake check or the FEDS have insufficient funds to cover the check? Sorry sir, it’s policy. I said BULLSHIT, closed my account and went to Golden 1 where they PROMPTLY accepted my check and gave me CASH BACK.