Dade County Federal Credit Union

This is the absolute worst cu I have been a member of. I was with them for several years and the frustrations were continuous. I took out four guaranteed loans and paid them off. I had a 745 credit score at the time. Afterwards, I applied for a car loan and was given the run around for several days. I went to the branch to apply. The rep would call me back over and over to request additional information. Finally after I send him everything… I never heard back. Turns out the denied me. I went to Tropical FCU and it was a world of difference, they were fast and professional. I was approved for the loan. They gave me a $ 15K loan on my own car. The loan was for four years but I paid it off in two. DFCU at the time had a slow archaic internet system. Not sure if they still do. One thing I do like is that they notarize a document for members free of charge. I am still a member just for this one convenience.

This has to be the worst bank that has ever existed! I really do not understand how they are still even in business!
There service is TERRIBLE, they are archaic in how they do things I can honestly say Iam terribly disappointed and regret the day we switched over to this bank. There really is nothing positive that I can say about them.

Worst service, incompetent, outdated systems, takes forever to have money returned after fraud, always try to sell you insurance on loans you’ll never use or need, upper management is clueless. I would never go back and if you’re smart you wouldn’t go in the first place! Stay away!

Had an account with DCFCU before and never had any issues like the rest of the Unilocalers. Although for the record it was not my primary bank.
DCFCU has one of the best auto loans rates out there which is why I’m opening up another account with them (it’s a requirement to get the auto loan).
Was greeted by a friendly representative. Waited less than 10 minutes to open my account and fill out an auto loan application.
No complaints so far everything went smooth.
Kadel Dunan was a great Service Representaive he answered all my questions and even the ones I asked from reading the others Unilocalers reviews (ie why they ask you what you’re going to do w/​the money when you withdraw it, etc.)

Dade County Federal Credit Union claims its «better than a bank!» I am still unable to figure out what exactly makes them better…
Taking out money? What do you want it for? (No seriously — they ask you)
Depositing money? Where did it come from? (No seriously — THEY REALLY ASK YOU)
It’s for hookers and blow jeeze!

Dont ever, ever, ever, ever, everrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrr– No matter what, bank with this institution, this is the WORST bank ever

This is by far the worst bank I have ever had an account with. To many issues right now with this horrible excuse for a bank that I have time for right now. Be sure they will be seeing me once again in person this time tomorrow. And not to mention to horrendous customer service. I filed a dispute for a automatic charge that was not authorized. I got the charge refunded back with in mins from the company. But my lovely bank told me it will take 15 – 30 days as of NOV 7, 2013. Then today have an issue with a direct deposit coming in today at the same time I had a charge come in. of course the bank still charges me a ins fee of $ 29. When I call to complain about that. There is no record of the claim I placed in person back on NOV 7. Many more issues I have with this bank. But that was just the tip of the idiotic iceberg they call DADE COUNTY FEDERAL.

Truly god awful and take it from someone who has endured nine years of terrible service! Talking generally, a credit union is not a bank but is supposed to member owned and one would think that they would operate it with the sole interest of their members in mind. None of their rates or fees are particularly under the rest of the market.
Instead, they do have several fraud measure in place on your debit card that will make your life miserable. The total daily cash transaction limit is $ 400 and a total purchase limit of $ 1500. Thinks about that. You don’t have access to your own money to make purchases with your debit card in excess on $ 1500 on any single day. Better bring your Best Buy card if you want to buy that flat screen TV.
And now they’re actually charging an extra monthly fraud insurance fee on your account. One time, my debit card was used fraudulently and though DCFCU was very good about helping me fill out the insurance paperwork to return my money, they did very little to pursue the perpetrators… not even a call to the police and they dissuaded me from doing it on my own. It would seem like a pretty easy case since my card was used twice in one day at a Hialeah beauty supply store… one time purchasing 50 curling irons.
Need to replace a lost or stolen card. No problem. Pay $ 25 and wait TWO WEEKS for them to send it in the mail. Oh yeah, you could pay the $ 75 expedite fee if you want it sooner. So much for lower fees. Chase will make you one on the spot simply by going to a branch.
DCFCU seems to think we want our names sold to every Tom, Dick and Harry to market us everything from life insurance to vacation rentals. I especially appreciate the marketing materials sent to encourage members to make wise financial decisions like taking a dream vacation on a DCFCU signature loan. Brilliant! I wonder if they’ll start making payday loans next.
But what really is outstanding here at DCFCU is the horrible customer service. I recently was making a deposit when the teller gave me his card to solicit me for a car loan. I called him back and left a message. Two days later I called back left another message. I was going to go to another bank when my partner convinced me to give it another go. I went to the main location and sat down with someone who took my application and told me he’d call me in an hour to tell me if it was approved or not. No call and being that I forgot his business card, I had to drive back to the bank to speak to the guy. He was with another customer and told me he’d call me back after he finished with her. No call. I sent him my pay stubs and payoff notice. No call. Called back again and supervisor says he has the day off. On a Wednesday? REALLY! She told me you can’t pay your car loan online at this time either. Time to go some place else.
Bottom line is that the rates and fees are not so great to justify the retching horrible customer service or give up any of the superior technology and services that a larger bank could offer.

TERRIBLE bank — never notified me when there was fraudulent activity. Holds checks for days without telling you. Sent a direct deposit slip and never was placed under direct deposit. Terrible terrible terrible

Recently relocated to Miami from California and needed to buy a car. Was going to pay cash, but decided I wanted to beef up my credit history, and was going to create a loan account.
Then I learned that they were going to take «7 to 10 days» to clear my California bank check! WTF?
They said something about the «federal reserve system» forcing them into this situation!
This time period supposedly needed to clear bank checks was the SAME system they had maybe two generations ago, well before the internet or electronic banking. I needed the car THEN, certainly not 2 weeks later! Do businesses like DCFCU still believe that mail is delivered by the pony express?
Had to buy the car completely with cash.
Let’s be clear about something here: if financial institutions want something badly, then they get what they want! Apparently DCFCU did not want my business badly, so they did not get it.

R U Kidding me? This CU sucks! I’ve waited 1 hour in order to be able to close a freaking account!!! And They charged me $ 10 Because i wanted to close the account… WTF? Ufff never again!

I have enjoyed being a member, well… I guess officially the day I was hired with Dade County. Unofficially, my parents where members too, so I remember the days of the small trailer on NW 58 St.
Now I have had other bank accounts. I never really gave the DCFCU any serious consideration beyond a simple savings account till, one day, I just got sick of being treated like a 3^rd class citizen in my own hometown.
It wasn’t quite a head smack moment, but I got the concept that this was MY personal bank that was a non for profit — — meaning no fee gouging. In the beginning it was simple checking, saving and rainy day acconts. Then I got my first auto loan, incredibly personable. I was able to walk into the Dealer with a loan that I was happy with. Took them down quite a few notches. (point for me!!!). Then there was the 2^nd loan for my dream sailboat. I forget the details, but there was a small hick up in the paperwork. I walk into the Jackson branch and had the best One on One «Let’s get this fixed» conversation ever. Walked out with all resolved and sailed away a few days later.
Over the years, DCFCU has grown and grown. Now I think just about any one can be a member. This is my favorite way of banking. I handle all the day to day on the computer, drop by the teller for those special occasions (large deposit ect) but the true comfort is in knowing that if anything becomes more complicated, they have a wonderful staff dedicated to resolving the problem. T
My opinion — Best HomeTown Bank in South Florida!!!

My dad opened an account for me here when I was 18 and I guess I never considered going anywhere else because it was convenient.
1) The online banking system allows me to transfer funds between accounts and to and from other members’ accounts (i.e. my dad’s or my husband’s)
2) They offer loans at a lower rate because they’re a credit union
3) They do car financing and often offer sales on property
I’ll admit they’re a bit slow on service but every bank has their issues and I don’t currently see a reason to leave.