SAFE Credit Union - Corporate Headquarters in Folsom, CA

Safe is the last feeling I've experienced with Safe CU. I am very disappointed with their customer service - I've experienced more headache, stress & financial losses with Safe than any other bank - the management is irresponsible and their policies are terrible...

I can't begin to express the disgust I have for Safe "Credit" Union. My mother has been a member in excellent standing since 1979. My son just became a member and coincidentally my nephew has to sell my deceased brothers car immediately and wanted my son to have a chance to buy it. My son has been employed for over 2 years and has yet to establish credit. He applied for a loan and was told for four days that his chances were "very good". The fifth day he was denied. My mother offered to co-sign for my son as my credit became less than stellar due to becoming disabled and am lucky to have a roof over my head as I type is. We foolishly believed there would be no problem, my mothers time with this credit union, her exemplary credit history, and the fact that she assisted my unemployed disabled brother to purchase the car through Safe "Credit" Union. So, today they went to Safe to apply for this loan, in the amount of $4,600 which my mother would be more than capable of paying in the unlikely event my son couldn't, and was denied because she is his grandmother and their policy is that only parents, guardians, or significant others can co sign. This is the most obsurd thing I have ever heard and when I inquired as to why they would have such a ridiculous policy I was told it was for the credit unions security. What? I believe the real reason is an issue of age discrimination. A co signer is just that no matter who the person is. If said co signer has or exceeds all the financial requirements there is no more security based on the relationship. There is no possible way that a parent or guardian would be any more or any less responsible for an unpaid loan than the man on the moon if he were to co sign for some one. Therefore, I am left with but one conclusion, and that is my mothers age and since they strung us along for the week my nephew can't wait any longer as he has to leave the state for work immediately. Needless to say, we will all be closing our accounts, especially after being basically told that if they would have allowed a co signer they would have asked for one, very curtly I might add, but the damage is done. A car is just a thing and my son will indeed get a car, but this car represented so much and because this intity has the money therefore the power, they had no problem ripping one families hearts from their chests and then acting as if we were a bunch of idiots for trying to get a loan from a credit union with an old ladies guarantee of payment.

The staff very friendly and professional. They are extremely knowledgeable in their field of finance. They are interested in what I need and want

My experience with this bank was terrible. I had an auto loan with this bank for 4+ years. I used this credit union bank twice for both my autos i had purchased. When my last auto was consider a total loss and it was not even a year i had my suv when my suv was a total loss i felt like they did not care about my situation. I have always been on top of my payments never been late on a single payment. When this happen i would call them to follow up with them and let them know what was going on (i didn't have to since my insurance was taking care of updating them) and when my insurance finally send over a check to pay off the amount they send me a letter saying i had to pay my monthly loan ASAP. I said my insurance is sending the check over they told me i still had to make another payment otherwise it was going tp shpw pn my crefit report. I told them i was never told i had to continue making payments infact last time i spoke to somone they said to not make anymore payments since my insurance is going to handle it. When i called and said i couldn't make a payment due to me having to buy another car and i did not have the money for the payment. I told them my insurance send a check and they said it doesn't matter you still need to make a payment. I felt alone and no support from them. When i was on maternity leave i was on top of making payments and i was offer the skip a payment a few times and i kept saying no that i was okay with making my payments on time and they even told me use this service incase of an emergency. Now that i want to use it they want to say i can't since my car is a total loss! This whole thing has been very stressful the fact that they cant work with me even when i been a very good Customer is very sad and heartbroken. Never again i will refer friends to this bank and i will never open an account with them very disappointed!