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March 2024 by T. E.
I love the Bay Federal Credit Union. The lines are always short, although I rarely go there because it's so easy depositing checks on their app.
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December 2023 by Constance M C.
The loan process was excellent and encouraging. I was given details and walked through every step and informed the whole time. So happy I managed to get the loan!! It took a little time, but was SO WORTH IT!!
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November 2023 by Kathleen B.
Kaila was so knowledgable and pleasant to work with that she made the whole loan process easy! I'm so happy I went with Bay Federal to get our home loan. I also appreciated Bay Federal paying our fees at closing.
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October 2023 by Jose H.
Well I thought I would write an update. The bank never sent the copy of the contract. They have all my information but it never came. The title finally showed up but the refund for the difference that I had to overpay because they couldn't tell me on the exact amount was never refunded. No one called or emailed. I guess as long as they got their money that was the important thing. You know the type of business by how they handle problems. Any bank will be great when there are no problems. The caliber of the institution is measured by the steps the banking institution takes when the rubber meets the road and in this case the rubber got trashed. Do they try to make contact? Clearly no Did they refund the excess payment? Again no Did they try to resolve the issue? Once more, an unequivocal no. Had I not called they would have gone on automatic in assessing me late fees that would have exceeded the small mount on their books. Did they keep their commitments? Nope, I never got a copy of the contract nor were all payments equal. Did they handled in sympathetic manner? I guess you can see it in the cut and paste responses to negative reviews. Bay Federal, please don't respond to this review to tell me you like understand more what the problem is. You can read above. These were my last comments. You can keep the small over payment. Everyone has different experiences. I just know I would not recommend this business to anyone nor will I ever take my business to them. Thank you
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October 2023 by Debby Robello
I've been a customer for decades. The staff has been polite, courteous, knowledgeable and professional throughout my experience here. Interest rates and services are competitive. Left the big banks in favor of a hometown credit union for every day needs, and it was one of the best decisions of my financial life. No runaround, easy access, humans on the other end of the phone.?
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September 2023 by Mike L.
Kaila and her team was extremely helpful with our loan application process. I would recommend to anyone who is looking for a responsive, kind, and cooperative lending team. Thanks, Kaila!
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August 2023 by Kiefer G.
The policies in place at this credit union are beyond concerning. They sent my replacement card to an undisclosed address, without any notification. Then, when I requested a replacement card, I was told they would not issue a replacement card without canceling my card number, since they'd already sent it months ago. For months I was never notified of this new card. I guess sending out PCI information without customers knowledge is now acceptable in the banking industry? Now, my card expires in less than a week, and this is all the time i'll have to switch everything over to a new card number. Huge inconvenience. Staff on the phone repeatedly contradicted herself when attempting to explain said policies. Staff will remain un-named so that this review stays up. I've been with Bay Federal for over 10 years and I can confidently say: If you like slow, inefficient, and negligent bankers, stay with Bay Federal.
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August 2023 by Rama K.
Just worked with Credit Union to help fund a kitchen/bath remodel and help with my son's student loans. Great people, great rates, and service. My highest recommendation. Dr Rama Khalsa
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August 2023 by Jon C.
The people that set up my accounts were not well versed in completing the task of initial set up nor in management. So, over the life of the accounts where I should have been having income, I did not ... cost me a lot of basic life supporting income. It's interesting getting old and thinking I was being supported by a company that I thought had a fiduciary obligation to do right by their customer. Not the case. I gave them a 1 star rating because there was no "0". The people they have in management are morons. Over all I rate Bay Federal Credit Union a "0". NEVER AGAIN!
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July 2023 by Jonathan F.
My goal is to make this review comprehensive and fair, for what I just dealt with. On Monday, I received three insufficient funds charges because a few payments went through just hours before my son's child support came in. The child support more than covered the overdrafts, or would have, but BayFed doesn't have a grace period for these charges like some banks. I called to ask for them reversed, and a manager reversed one. Later that day, I was hit with another $30 charge--this, after being told they do a maximum of 3 a day. Basically, they took the $30 they refunded back. Angry (and fairly so!) I gave them a 1-star Yelp review. Today, a higher up manager called me. She had seen my review and wanted more information. She also refunded all those charges, knowing that money came into the account just hours later. She also let me know that she's trying to fix the system so that there's a grace period of 24 hours when overdraft payments happen. There have been a few times over the last about 14 years that I would not have been charged these fees had they had this in place. I'm very happy with her calling me about this, and also giving me her direct number in case I have such an issue again. Five stars for her personally. This review is currently 3 stars. If BayFed does fix this and have a 24-hour grace period for overdrafts, I'll change it to 4 stars.
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June 2023 by Nereida Rodriguez
Bad experience with home loan. Patrick was helping and when I didn’t qualify never called back after several calls from me and voicemails. Disappointed in the type of workers this bank has, will take my business else where. I plan to close all my account with them
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May 2023 by Marie Crawford
Ben banking with Bay Federal for many many years we couldn't be more happy with them
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May 2023 by Grant H.
We've always enjoyed working with Bay Fed. But our latest experience with opening a Home Equity Loan just made us love them more. Kaila was a great partner and educator through the process. High marks all around.
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March 2023 by Aimee T.
Kaila and the Bay Fed team are great to work with. They are very responsive in their communication, accessible when we had questions, and prompt with their follow up. Expectations were communicated and managed. Bay Federal is offering a number of loan options where they cover all closing costs. Highly recommend for anyone needing a HELOC or 2nd Mortgage.
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February 2023 by Roger N.
Alex Santillan Refinanced my car. Very efficient and helpful. The interest rate was highly competitive and Alex made the process go very smoothly. I highly recommend Alex and BFCU.Note: I have no financial or personal interest with any institution or person named in this review.