Mission Federal Credit Union

This review is for an Auto Loan we got using Mission Fed. We decided to get pre-​approved for the loan over the phone and it couldn’t have been any easier. Within 5 hours we had a loan decision and proceeded to purchase our vehicle that same night. A couple of days later we made an appointment at the Escondido branch to finalize the loan. We meet with Erin Krescanko who was crazy helpful and super friendly and professional. Erin made the process very easy and took the time after closing hours to make sure we left with everything finalized including getting debit & credit cards printed on the spot. If we ever need anything we’re traveling to the Escondido branch and asking for Erin. Thanks for the amazing experience!!!

All I have to say is WOOOOOOW. What great service we received from Raul Gutierrez at Mission Federal Credit Union at the Escondido branch in Escondido California. I was in the process of helping my teenage son Tyler Duplessis get his first auto loan. My family has been with Mission Fed for as long as I can remember. The Escondido branch has always been amazing with helping us with our financial needs over the years. This last experience on Sat 23^th of January was no exception. As matter of a fact it was the best yet. In fact it was the single best experience I’ve ever had with a bank in my adult life. Raul went way way way above and beyond to stay late (on his own time) to help us complete my son’s auto loan. He also suggested to help further my son’s credit building and to apply for their credit card that is designed to help a young person do that very thing :-) Raul was very patient and informative on these 2 important subjects for Tyler. We completed transactions and both left with a big smile on our faces. To whom is reading this review, I know a little about customer service and the importance of putting the customer first. Raul knocked it out of the park. As great as he is I’m sure he’ll be running his own branch some day. Mean while I would like to formally request a raise in pay for Raul’s services with us on such an important milestone in my son’s life. Everyone remembers their very first car transaction and Raul made it extremely enjoyable for the Duplessis family on this one. THANK YOU RAUL YOU ROCK !!!

We have banked here now for two years this month and couldn’t be happier! We banked at a Big Bank for 25+ years and never felt the personal touch there that we do here. I NEVER went inside the bank to do my banking and now I prefer to go inside at MFCU because of the over the top friendly service they provide. We have not had one bad interaction — the only thing I do recommend is that when you are going out of town, call the 800# for customer service and let them know when you are leaving, where you are going and when you will return — to avoid any hold issues on your card transactions. They are very good about monitoring the use of your cards and will put a hold on your account if there are any suspicious transactions. We discovered this on a trip up the coast and again in Arizona — a little inconvenient at first but now that I know to expect this, I call them the day before we leave and I couldn’t be happier that they are so on top of security, especially these days. We plan on being with MFCU for many years to come and have referred several people to try them out!

This branch is fantastic! Everyone is super helpful, it’s nice to have a bank that knows you by name and cares. Wanted to say thanks Erin Krescanko for helping me set up all my banking she was patient and took the time to explore all the different options I had.

Opened several accounts today including a IRA transfer. Thanks to Julie it all went smoothly. I am partial to Credit Unions and am looking forward to dealing with this one and all should be well if the account set up is any indication.

My husband, Matt Guerrero, had a great experience doing business with Erin Krescanko. She has been the best financial service representative he has ever encountered; not only did she save him a lot of money with her advice dealing with Ford but she went way beyond his expectations. She is very knowledgeable and made it very easy to understand the advantages of doing business with Mission Federal Credit Union. Without any doubt, Mission Federal is the right place to finance a car, specially I truly recommend asking for Erin Krescanko. The best!

I am a new member and I went in today to see Erin Krescanko for an appointment. I was absolutely blown away by how helpful she is. She has put me on track for a better financial future. She worked so hard to get things done for me and I really appreciate it. I have never had this type of service at a commercial bank before and I have been with my bank for 6 years. I will be closing my bank accounts and transferring all finances to my new credit union account. Thank you so much Erin! I look forward to continuing to work with her in the future.

I was needing to open a small business account and had visited many banks and credit unions, and I always left feeling a bit unsettled. As I was cashing a check, I met Erin Krescanko. We talked a little about opening a small business account and she gave me her card. I went back to see her and I’m glad I did. She was extremely helpful and made me feel very comfortable about placing my trust in Mission Fed. I even opened a personal account. I highly recommend, that if you’re looking to open a small business or personal account, that you speak with Erin. Thank you Erin… YOU ROCK!!!

Walked in depressed, at the last minute desided to sit down with erin… discuss my latest woes… in her optimistic way she tells me she can try to get me an increase. …not even a long wait… she comes back with an approval, thank you Jennifer O’Connell. .got the increase!!! These ladies are one of many reasons way I continue to bank here and recommend mission fed to my customers… really, they reached out to this person in need with professionalism and kindness. The personal touch means the world to me… must sincerely, thank you, Margaret Foss

My dad Jeff Johnson came in today and wanted to compliment a mission fed employee, Gustavo De La Cruz. He went above and beyond to help my dad get some paper work done that was time sensitive. He was so efficient and kind. My dad had already wasted hours at AAA trying to handle this and was so relieved that Gustavo was able to help him with this matter.

Jessica McSpadden recently helped me with a loan to assist with my debt. She was amazing! She took the time to explain all the details and made sure I understood the terms. She was so friendly. I really appreciated her professionalism. Her customer service was outstanding. Thank you again Jessica and mission fed!

Diana was unbelievably helpful, definately will be going back to see her! Customer service was outstanding!

Very friendly staff everyone there seems to be happy and that gives great vibes as you walk in from the manager to the tellers keep up the good work… Love banking here

I’ve have nothing but good things to say about this location, I have never left with an issue unresolved with reason and fair business practices. I’ve had debit card compromised they resolved as quickly as they could was it an inconvenience absolutely they recognized this and helped resolve it the best they could. I’ve had deposit issues as well as other reviewer but the c.u. responded quickly and satisfactorily. I appreciate the service and the attitude of all employees working there they are all wonderful… my only suggestion is someway to have 3 tellers during the lunch hours… the line can get long and slow at this time of day…

If you are looking for a car loan I would look elsewhere. My husband needed a new car which he uses for his job. He drops off legal documents in various places in downtown San Diego. If you work or live in downtown you know of the shortage of parking. He needs a commercial plate to make it easier for him to do his job. He applied for a commercial plate after he got the car loan and the Credit Union said they would not allow it because it is against policy to make a loan for a commercial vehicle.
My husband made it very clear that the car it is not a commercial vehicle, it is his personal car that he uses for his job. Now he is spending extra hours everyday driving around looking for a parking places, it is taking much longer to do his job and he is adding extra miles to the odometer.
If the policy is not to make loans for commercial vehicles then the Mission Federal Credit Union needs to quit making loans for trucks. Trucks come with commercial plates.
We have a home equity loan with Mission Federal and this new car loan but we are considering moving both accounts to a new bank.

Update June 2014: just when I thought MFCU couldn’t get any worse, it did. They declined to reverse overdraft fees for fraudulent activity on my Visa debit. Phone consultant was completely sarcastic. Unbelievable.
If I could give zero stars, I would. I’ve been a customer for over twenty years. For some reason, in the last 5 years, customer service has seriously gone downhill at MFCU. First, they offer me overdraft. I used it and came to rely on it «just in case». Then one month I bounce a check. Why? They out of the blue cancelled it and never told me. Then I night drop a deposit into a little used account that I kept for an occasional joint check I get with a family member. I get the check back in the mail. They closed the account and never told me. Last October I night dropped a deposit. The sign says deposits are done that same business day if it’s dropped during business hours. The check never got deposited and it caused several checks to bounce that night. Today I learned that they placed a hold on my deposit last Wednesday. The same deposit I make every single month for years now. I’ve never had funds held before. Long story short. it’s because I have a history of bounced checks (yes, they mean the bounced checks from last October). The funds will release sometime next week. In the meantime I will likely bounce several other checks because NO ONE TOLD ME. all books down to one issue: no/​ineffective communication with customers. I’m done with MFCU.

This is one of the worst banks I’ve ever seen. This is not my primary bank, I use a small private credit union, but received a promotional offer in the mail for a good deal on a balance transfer so I decided to go in and check in out to move some of my debt over here to save on finance charges. When I went in the woman working new accounts was lovely and made it sound like I was setting up a loan or credit line, I signed up. Two weeks later I got my cards in the mail to find out what she really signed me up for was a credit card, I wasn’t too please about this but the terms were as promised so I guess it doesn’t matter much. This was 2 years ago and the service I have received since then has helped me decide I never want to bank here, I even paid the loan off early so I didn’t have to deal with these clowns. They nickle and dime their customers to death! I feel like they purposely make it difficult for you to pay your bills or do things so that you rack up fees, like their bill mailing — this is the only bill I have ever gotten from a major corporation that doesn’t include an envelope to mail your payment back in — its small but so weird! Also when I moved there was all this drama about changing my address, I had to do it 3 times! After the final time I asked the cashier to print out my statement balance, since I had not received a statement for 3 months and she told me it would cost an additional $ 2 — ridiculous! If you make a start questioning things like this or make a fuss then they act like they are doing you a favor by waiver a insane fee to start with. They do stupid little things like this all the time and it has just put a really bad taste in my mouth and made me understand why people hate banks. I would never but a dime in this bank after the experience I’ve had.

Always friendly & great with my money!