Austin Credit Unions

[Horn_Spanker 524]

What Austin Credit Unions do you like? 

Which need to be avoided?

 

[UnivTex34 1763]

Have had no complaints with UFCU. 

[Horn_Spanker 524]

2 hours ago, UnivTex34 said:

Have had no complaints with UFCU. 

I can't get a human on the phone!  Their telephone menu system is fucking horrible!

[UTPhil2006 3817]

1 hour ago, Horn_Spanker said:

I can't get a human on the phone!  Their telephone menu system is fucking horrible!

Takes a bit to get through with verification stuff and lots of accounts but yeah UFCU is the correct answer 

[Updawg 2286]

Uhcu is who I use.

[Judge Roybeanbag 11821]

ATFCU.

Been a member for 30 years and no complaints. 

[Your Mom 4853]

Does it have to be in Austin?  It’s probably been 20 years since I had a bank that has a branch in Austin.  
 

Most credit unions have shared branch partners you can conduct business in if you actually need the brick and mortar building. 
On the rare occasion, I need to deposit cash or deposit a check that’s larger than the mobile app can handle, I do it at a local UFCU since they parted with my work CU from Dallas.  

[ChickenSandwich 9853]

used RBFCU, UFCU, and Austin Telco.  All three were good, but I would rank them

1.RBFCU - best mix of customer service, access and rates

2. UFCU - solid all round options, tended to higher rates, great access

3. Austin Telco - lowest rates, good customer service, bad online and app access, slower transactions

[Bevo 13601]

43 minutes ago, ChickenSandwich said:

used RBFCU, UFCU, and Austin Telco.  All three were good, but I would rank them

1.RBFCU - best mix of customer service, access and rates

2. UFCU - solid all round options, tended to higher rates, great access

3. Austin Telco - lowest rates, good customer service, bad online and app access, slower transactions

I have Austin Telco. I've been happy with them but their VISA debit card sucks. I use it for business purchases and it fails a good percentage of the time. I then have to call and get the limit raised (not much in medicine costs less than $1000) or verify the out of state transaction. That's fine when I find out about it during bank business hours - Otherwise, I am screwed - I am also screwed when I don't find out until later when a transaction doesn't go through. Like I place an overnight order for medical supplies and then the next day the supplies don't show up.

[tx 3 putt 77535]

TDECU

[UTPhil2006 3817]

3 minutes ago, tx 3 putt said:

TDECU

Not in Austin 

[SimonBolivar 10960]

22 hours ago, Horn_Spanker said:

I can't get a human on the phone!  Their telephone menu system is fucking horrible!

What are you trying to do? I don't work for that CU, but at a fairly large one and it's pretty easy to get ahold of someone if you get someone's extension and just call them all the time instead of trying to maneuver a call center. Of course, you'd probably be the only "constant caller" that employee has that's under 65 years old, but it works.

[Handcruser 2805]

I have Austin Telco. I've been happy with them but their VISA debit card sucks. I use it for business purchases and it fails a good percentage of the time. I then have to call and get the limit raised (not much in medicine costs less than $1000) or verify the out of state transaction. That's fine when I find out about it during bank business hours - Otherwise, I am screwed - I am also screwed when I don't find out until later when a transaction doesn't go through. Like I place an overnight order for medical supplies and then the next day the supplies don't show up.

Good lord man. Just get an Amex and put it on autopay.

I’m premed.

[tx 3 putt 77535]

5 hours ago, Bevo said:

I have Austin Telco. I've been happy with them but their VISA debit card sucks. I use it for business purchases and it fails a good percentage of the time. I then have to call and get the limit raised (not much in medicine costs less than $1000) or verify the out of state transaction. That's fine when I find out about it during bank business hours - Otherwise, I am screwed - I am also screwed when I don't find out until later when a transaction doesn't go through. Like I place an overnight order for medical supplies and then the next day the supplies don't show up.

[tx 3 putt 77535]

It amazes me when people use their debit card 

[Revolution512 1495]

13 hours ago, tx 3 putt said:

It amazes me when people use their debit card 

Agreed. Asking for trouble

[Bevo 13601]

9 hours ago, Revolution512 said:

Agreed. Asking for trouble

Every time I use credit, my wife (who is an accountant) runs up it up instead of paying it all off. I think she sees a big number so only pays half. So, I prefer to pay for things immediately. I assume there isn't a way to pay off AMEX as soon as there is a charge and you have to wait for the next billing cycle. That doesn't work for me. Using the VISA debit works financially but I agree that it isn't safe. If I could get my wife to pay off the bill each month a travel card would be a great solution. But she doesn't do it that way and I have less than zero desire to start paying the bills.

[TexasEd 8077]

On 4/15/2023 at 6:37 PM, Bevo said:

Every time I use credit, my wife (who is an accountant) runs up it up instead of paying it all off. I think she sees a big number so only pays half. So, I prefer to pay for things immediately. I assume there isn't a way to pay off AMEX as soon as there is a charge and you have to wait for the next billing cycle. That doesn't work for me. Using the VISA debit works financially but I agree that it isn't safe. If I could get my wife to pay off the bill each month a travel card would be a great solution. But she doesn't do it that way and I have less than zero desire to start paying the bills.

Take over paying the bills.

I've taken over most of them because of late fees.  Set them up in the app for auto pay and lowered our cable and cell bills.  By moving to verizon the rebates made it free for 8 months and then saving 200 combined cable/cell every month after that.