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December 2022 by Lynn D.
Let me start by saying, this is a garbage institution. They do not carry cash at all. You have to go to another bank to withdraw the cash from your own account. What is the point of having an account here? Over the years I have seen how this bank Has not done their job, they never answer the phone even after they're moved to Livermore, the staff there don't follow through what they say they're going to do they make constant mistakes on your account and your own money, they ignore the customers request and get it wrong because they don't pay attention to what they're doing there with your own money . What kind of bank doesn't let their customers know that they're own chip on their debit cards that they issued do not even work? What kind of bank doesn't let customers know when they're withholding funds for 15 to 20 days and don't even bother letting you know that they're doing that? what kind of bank does NOT pay attention to the actual account holder name to even legally hold funds on an order that is not even in the account holders name? Who does that? Incompetent staff there that don't give a damn as long as it's not their money but they're quick to take your money and make money off of you having accounts in their bank to keep their jobs. We don't trust them as far as we can throw them with any other accounts to open up there, as well as their financial advice to open up more accounts there which is ridiculous. I expect more from a crap bank and they're way below that you're better off putting your money in a mattress And having control of it and then having an account at this crap bank. I'm pretty sure they're losing customers left and right there is no incentive for customers except for them making money off your money in their pockets. If I were you, I would take my money out of there and close your account here as soon as possible , because there are other credit unions that actually have cash in them that can give them to you in person and answer the phone and help you and are actually competent enough to do their job. This bank is on the lowest of the shit list. You don't even deserve one star, but that was to post this review.
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April 2022 by Bobby Kuks
I have enjoyed being a member of SMWFCU for the last 10 years. They have been very reliable and support I’ve throughout my time as a sheet metal worker.
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March 2022 by Terese Nelson
I had been with the credit union for six years when I had been injured and could not work for a few years. I had been busy recuperating and was unable to make payments to my credit card. When I was finally able to return to work I went into the branch and explained that I wanted to pay my loan back even though it had gone to collections. I paid them back the entire loan. I found out later that they had contacted the credit reporting and had my loan changed to “in good standing”. I was not expecting that and was extremely greatful. The staff have always been very friendly and courteous whenever I visited the branch. Their customer service and services are top notch.
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March 2022 by Tony Vela
Married with 6 kids, owning multiple cars, homes, on a single income. I’ve needed financing at good rates to make it all work and SMW has been there for me through it all. A shout out to Tiara for being a great branch manager is well deserved. Thank you SMW 104 FCU.
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March 2022 by Stephanie De La Pena
Very helpful and nice staff!! We have a bank account and two car loans with them and it's always been great service, low interest rates, and easy!
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March 2022 by Jason Langlois
Was having trouble with the home lender I was working with so I went to the credit union they recommended an affiliated lender and he was super helpful with helping me get my first home thanks a lot
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March 2022 by aj calderas
I joined recently, the training in sheet metal I have received in my short time here has already benefitted me in my job in words I can’t even describe. I’m looking forward to spending my entire career here.
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February 2022 by Jackie Pratt
I can never log into my account. Every time there is an update, my username is no longer recognized, my email is no longer recognized and I cannot get access to my account for days. I am so fed up with this bank. I have been a member for 20 years and have finally had enough
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April 2021 by Michael D.
By far the best loan Service I have ever seen. It was so easy and simple. (Lan-chi LU) is amazing and so professional at her job. She made everything so easy and always got right back to me. Thanks local 104 credit union. Lan-chi LU needs to recognized for her hard work and professional Expertise. Thanks again local 104 credit union. Definitely recommend them with out a Doubt!
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December 2017 by Simeone Spencer
Been able to conduct all my business easily and without having to travel to an office.
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October 2017 by billy bud toker
I am part of the sheet metal union. You would think the credit union would have my back but HELL NO! Customer service is horrible. Do not open an account here. Was a huge waste of time! Very disappointed.
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August 2014 by Margaret Tides
No after-hours, exterior ATM. I haven't been inside, so I can't speak to that experience. But if it's after 5pm, there is no access at all.
