KCT Credit Union 111 South Hawthorne Street, Elgin, IL 60123

"After the holidays I was hit with multiple fees over a 24 hour period just so they could make money off me. I called to see if anything could be done to maybe pay a bit less in just fee charges and they were unhelpful and uncaring. This credit union ended up taking nearly $100 from my account just in fees which makes them worse than actual banks. Many credit unions don't charge outrageous fees and charges. Because fees and charges aren't necessary and because they strive to be there for the community and their people. Even Wells Fargo offers a grace period to avoid charging you fees. KCT does not."

"Coming from a “private” or smaller bank, It’s probably easier to go in person than to call because their phone service representative’s in their dispute section are terrible and awful. The wait line for the wait call was “1 minute” and then I waited 12 minutes to get someone to talk to me, ALL for them to HANG UP and when I called back, the wait time was 12 minutes which probably translates into 30 minutes waiting for someone to hang up on you. Chase bank, 5/3 Bank, or Bank of America would be the way to go, no long wait times."

"I have been with this bank ever since I came to the USA, which was 1999. Never attempted to look or change to another bank. I feel safe and I trust them, excellent customer service, car loan rate is great. Easy to contact and talk to them. If you are looking for a true and trusted bank, it is KCTCU!!! I love this bank! highly recommended."

"Joezette Gonzales is the Gal you want to work with for your loan needs! She is polite, and on point, knows her stuff very well, escalated things when necessary, and is very communicative. Joezette was just very pleasant to work with from beginning to end. I HIGHLY recommend her and KCT Credit Union for your loan needs. They are very competitive too and willing to work with you. I am looking forward to conducting more business with KCT and possibly making the Credit Union my #1 choice for all my lending needs. - George"

"What a phenomenal experience, bought a car recently and with rates so high I decided to look into financing at credit unions. KCT is local and provides the high touch care that we were looking for after banking with CHASE for several years if not decades. After this experience we will eventually switch all of our banking to KCT. Btw, ask for Richard Cheney, he’s the best and brings a detailed and unmatched professional touch. Just a great overall experience and looking forward to stopping by just to get a cup of coffee and enjoy a good conversation with the Richard. Thx KCT"