NO ASSISTANCE IF EXPERIENCING HARDSHIP I have an auto loan with RBFCU. I had fallen chronically ill that lasted about a year. During this time I was able to keep up with my payments for sometime, but eventually fell behind 6 months. During the 6 months I would call every month to get some kind of assistance. Short and simple they advised under no circumstances do they offer payment deferments, reduced payment amounts, nothing. If you’re someone who could ever end up in a similar situation, I strongly advise to not do business with RBFCU as far as auto loans. Currently they’re attempting to repo my vehicle and have advised I need to pay a lump sum of all the past due amount or they would not except any type of payments. Thanks for reading.

Locked out of my own account. Long story short, the fraud department is ridiculous and does not understand large wire transfers. I was attempting to purchase a rare car out of state, got it fully inspected and was satisfied with the results and submitted the transfer for a wire purchase for about $20k. The fraud department called me, which is fine of course, and I walked them through the transaction, and we hung up, I assumed everything was good. About 15 minutes later, they called back and refused the transaction, calling it fraud despite just talking to me. Fine, I'll figure out transferring cash to another bank account and do it that way. Lo and behold, RBFCU locked me out of my own accounts as well, including any electronic payments. I call them back, and they refuse to give an explanation other than "Your access will be returned once our investigation is complete which takes about 10 business days." Utterly ridiculous. I ended up having to physically go to the bank, and pull money out to put in another bank account just to pay my normal bills. Needless to say, they have permanently lost my business.

Worst bank/ credit union ever! Worst bank/ credit union ever! Will move numbers around so you can seem to be negative just so they can charge you an overdraft fee. Even though you go and deposit funds before days end.

There are better… My opinion and personal experience is that RBFCU, about 12 yrs ago, was a well run credit union. It’s since become a low-rate, substandard bank where you’re no longer a person who they actually benefit from having as a customer who deposits funds, but a number that they now consider a nuisance when you call for help with an issue involving THEIR services. However, putting aside that their ATM at the 6475 Baywater Dr location was out of service/out of money today and that they affiliate with 3rd party entities who’s credit card rewards services are inconsistent at best (“We cannot access uChoose Rewards. Please contact us at 888-999-4355.”), I expect to receive a response that tries to apologize and put me at ease about my sentiments for RBFCU - perhaps, an AI driven response? Don’t bother. It’s almost insulting and a waste of time. Anyway, I have my money and my confidence with a different credit union and I’ve witnessed the difference between the two.

Unjustify hard credit pull Please DO NOT use this bank. They did a hard pull on my credit without even discussing whether the loan I was applying for would fit my needs. They are unresponsive and care nothing about client satisfaction.