South Bay Credit Union

"If you live in the south bay this is a must!! Best bank I’ve ever had. I’ve been with all the big banks but they don’t care and they’re horrible. But sbcu is always on top of it. Fast, efficient and the best most friendly customer service experience I’ve ever had. Usually I never have to go to the branch cause I can do everything through the online banking or over the phone. But if I do it’s the best experience always. Super warm happy welcoming! They remember me even if I haven’t come to the branch in a year! Very personalized super attentive. The branch is always so cute and cozy, none of that cold corporate feeling when you go to the big banks. They even offer me coffee or water if I’m going to be there for a few minutes. Literally best banking experience. I’m never switching banks, I hope I never have to. Thank you so much SBCU and all the great customer service representatives!!!"

"Southbay Cu Account Details Account type Other Loan Account status Closed Balance $0 Monthly payment $0 Interest rate 0.00% Date opened May 2018 (4 yrs 3 mos) Sub zero rating If there was a way to give less than one star to give this Bank THIS BANK IS A FRAUD!! THEY RIP YOU OFF AND DESTROY YOUR CREDIT!! Sadly, a NSF fee hit my account. I PAID the 35.00 fee. Only to find out SBCU reported a 35.00 NSF fee to the credit Credit Bureaus ANYWAY. I have been working on building my credit pre-pandemic and establishing banking relationships. What a complete surprise! I left work early on multiple occasions to come into the bank and not be heard. Ive left messages on FB instant messager, I hve disputed the amount with credit bureaus and someone has the nerve to respond from SBCU, left a negative review on SBCU page HOPING THEY would respond. Thinking SBCU would see the review and respond. I finally spoke with someone in the bank she said the Mgr would call me back, what a surprise no return call, Not only did they do absolutely NOTHING!!!! They don't return phone calls, no phone number to contact them they never answer, no nothing. This is the only negative on my credit file and its costing me future credit opportunities and high-interest rates . I will be filing a complaint and claim with the FTC (Federal Trade Commission) Trust Pilot and BBB, TWITTER, RIP OFF REPOR, Senator Ben Allen's Office, and CC Congressman Ted Lieu office. No customer should have to go through such extremes If you're considering this bank RUN. If you can get another bank do so; there are plenty of legitimate banks who will not ruin your credit report and call you back. This is a painful and stressful experience. I wish I never used this bank."

"Recently had a very rewarding experience with South Bay Credit Union. August last year I refinanced my automobile thru the credit union with Sarah Aguilar at 23%. I was financed thru the car dealer at 28%. Sarah told me if I brought my score up I could refinance again. I did just that and, to her word, she refinanced for me once again at 8%! I also had an unsecured loan I had taken for $4,300 at 23%. She refinanced that loan for me as well at 13%! The savings I will have over the percentages of both loans brought down to the incredible percentage will provide me with the opportunity of actually making payments and the majority of the payments going to the principal rather than 90% interest. Thank you Sarah Aguilar!!!! I would strongly recommend South Bay Credit Union to any and all. You get the personal care everyone deserves."

"Amazing experience at SBCU! From the time you walk thru the door - the atmosphere, the energy, the people who work there! Unlike any credit union I’ve ever been to! Shout out to Sarah Aguilar and her team for making my transaction so easy!! Her knowledge and guidance through the whole process was a tremendous help in determining my needs. So thankful to have found them and recommend SBCU to anyone considering a credit union!!"

"The team at SBCU is top notch. Not only are they friendly but they know what they are doing. I have been banking with them for over 20 years. They not only do my personal banking, but also handle my small business banking needs. They are timely and fast which all small business need. Don't hesitate bank with them not only for their top level service, but their low fees and fast loan approval process. #JustDoIt"