I dug into publicly posted reviews to see what members are saying about Consumers Credit Union’s auto loans and Rewards Checking account.
The overall picture is overwhelmingly negative. Reviewers repeatedly mention
poor customer service, long hold times (often 45 minutes or more), and difficulty getting help through phone, chat, or in‑branch staff. Several people describe being stuck on hold for hours, receiving vague or incorrect information, and never getting promised callbacks.
Auto loan experience
- One member reported a repossession triggered by a $0.53 past‑due balance after a mechanical issue that should have been covered by a recall.
- Another reviewer said the loan was tied to a vehicle that later required a $2,000 repair they were forced to pay out‑of‑pocket despite a class‑action settlement for the same problem.
- No specific APRs or loan terms were shared in the reviews, so it’s unclear what rates consumers actually receive.
Rewards Checking experience
- Users complain about unexpected automatic payments, duplicate charges, and slow refunds (e.g., a refund promised in one day took several days).
- One account holder was hit with a negative ChexSystems report after closing the account, which blocked future credit lines.
- Several members noted that the online platform feels unsafe, with reports of redirects that could steal personal information.
Common themes across both products
- Customer service: multiple reports of unhelpful chat agents, no direct email contacts, and promises that never materialize.
- Account management issues: blocked cards, frozen accounts, and lost titles on financed vehicles.
- Transparency concerns: unclear fee adjustments, unexpected charges, and difficulty understanding policies.
Because the feedback lacks any positive examples or concrete interest‑rate data, it’s hard to gauge the true cost of an auto loan or the benefits of the Rewards Checking account. If you value quick, reliable support and clear communication, these reviews suggest you might encounter significant friction with Consumers Credit Union.
Ultimately, the decision rests with you. Consider weighing these reported drawbacks against any attractive rates you may have seen elsewhere.
