The credit union has Chicago-area branches, but you don’t need to live in the area to become a member. Members can access their account at more than 30,000 surcharge-free ATMs and all other ATM fees are reimbursed.. All members must open a Member Share/Savings Account, which requires a $5 deposit, but you can also choose to open a checking, money market, certificate, or loan account when you apply. Alternatively, if you don’t complete the initial requirements in any month, you earn, Rates for share certificates — the credit union version of CDs — are not the highest around. Consumers Credit Union based in Lake County, IL (not to be confused with a credit union by the same name in Michigan) is a company that I believe to us very deceptive business practices. The Membership Share/Savings Account is the basic account you need to become a Consumers Credit Union member. It's a simple savings account, so there aren't a lot of bells and whistles. Additionally, many of their accounts come with a great deal of features as well. Customers Credit score Union, primarily based in Gurnee, Illinois, operates 11 branches within the Chicago suburbs. All Consumers Credit Union members must open a share savings account to establish membership. Consumers Credit Union Review Forbes Advisor. You can learn more about the standards we follow in producing accurate, unbiased content in our, We publish unbiased reviews; our opinions are our own and are not influenced by payments from advertisers. Accessed August 19, 2020. The credit union's extensive surcharge-free ATM network also makes it appealing for cost-conscious spenders who want to avoid expensive ATM fees. Reviewer10979490 Sign in to contact user. If you need a checking account for paying bills, accessing cash at the ATM, or just everyday spending, this is a great low-cost option. Regular Certificates offer a guaranteed rate of return, with dividends that compound daily and post monthly. In addition, the credit union refunds fees charged for non-network ATM use when you meet the monthly rewards requirements. REVIEW OF THE CONSUMER CREDIT DIRECTIVE BEUC position The Consumer Voice in Europe . Posted by: boldgoldman | Oct 13, 2020. The team is led by a fantastic CEO, Senior Management Team, and Board of Directors. Consumers Credit Union Serious Interest Checking Review. Consumers Credit Union CD review Choose from 11 terms to find competitive interest rate options. "Student Choice Checking." Reviews from Consumers Credit Union, Illinois employees about Consumers Credit Union, Illinois culture, salaries, benefits, work-life balance, management, job security, and more. The Holiday Club Savings Account is designed to help you set aside money for holiday shopping. Average Rating: Based on 91 review. Maturity dates range from 91 days to 5 years. No one tests banks & credit unions like we do. Consumers Credit Union may appeal to someone who's comfortable banking online and doesn't necessarily need to visit a branch. Pre-qualified offers are not binding. Accessed August 19, 2020. Satisfaction rating . Consumers Credit Union, available to all for a $5 membership fee, offers competitive APYs on its Rewards Checking, plus a wide range of financial services. Factors we consider, depending on the category, include rates and fees, ATM and branch access, account features and limits, user-facing technology, customer service and innovation. Consumers Credit Union consistently ranks in the top percentile for member satisfaction. Consumer Credit Union Report is reader-supported. Secure messaging is also available when you log in to your account or by email at ccu_info@myconsumers.org, and you can also use live chat to reach an agent. Accessed August 19, 2020. Consumers Credit Union consistently ranks in the top percentile for member satisfaction. Consumers Credit Union. However, you need only $250 to open one. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. Consumers Credit Union. Our opinions are our own. You can link a Consumers savings account to your checking to avoid an overdraft, but it costs $10 per transfer. OPEN AN ACCOUNT . Accessed August 19, 2020. Thank you for supporting HustlerMoneyBlog. s. WRITE A REVIEW GET ALERTS FOR THIS BANK. Representatives are available during business hours, which includes weekdays and Saturday mornings. Consumers Credit Union is a change agent for innovation and talent management. Application Process. Here, they challenge the norm and truly value Membership. Here are the requirements for each tier: Earn 2.09% APY on up to $10,000 by making at least 12 monthly debit card purchases, having electronic transactions (direct deposit, ACH transfer or mobile check deposit) of at least $500 per month and receiving e-statements. ‎Read reviews, compare customer ratings, see screenshots, and learn more about Consumers Credit Union - MI. However, this does not influence our evaluations. Free Rewards Checking has no monthly maintenance or minimum balance fees. You can earn up to 0.7% APY, but … Consumers Credit Union. I Was Robbed And Screwed By Consumers Credit Union. That’s less than the national average and way below what online banks offer. A parent or legal guardian must also be listed on the account as a joint account holder. Get ratings, pricing, and performance for all the latest models based on the features you care about. "Visa Cards." The credit union offers a complete array of products and services to its members &,amp,amp,mdash,checking, savings, debit and credit cards, vehicle and consumer loans, money market accounts and certificates of deposit, along with a variety of mortgage products.&,amp,amp,nbsp,Consumers Credit Union is a Federally Insured State Chartered Credit Union … We may receive compensation if you apply through our links. APY on up to $10,000 by making $500 in Consumers Credit Union credit card purchases monthly plus all the previous requirements. Consumers credit union reviews and ratings added by customers, testers and visitors like you. Chicago-based Consumers Credit Union (CCU) offers 11 CD term options to its members with a low minimum deposit. Here is a list of our partners. 3 out … Earn 4.09% APY on up to $10,000 by making an additional $500 in credit card purchases monthly plus all the previous requirements. Our partners cannot pay us to guarantee favorable reviews of their products or services. We also reference original research from other reputable publishers where appropriate. Consumers Credit Union provides one of the best interest checking accounts available. Accessed August 19, 2020. For the month of May 2020, the minimum number of debit card purchases required has dropped from 12 to 6. Accessed August 19, 2020. Term lengths go up to five years. That means if you have four negative transactions in a single day, you’d face fees of $120. Accessed August 19, 2020. One of them states: User reviews suggest the credit union’s banking app is not easy to use and sometimes has sign-in glitches. The credit union provides banking services at locations in the Chicagoland area, as well as shared branches around the U.S. So how do we make money? These account terms range from 91 days to 5 years and require a $250 minimum deposit.. Learn about Consumers Credit Union … Find out in our Consumers Credit Union review below. There's no monthly fee and also no ongoing minimum balance requirements, and you need just $5 to open an account. The APY drops to 0.20% for balances ranging from $10,000.01 to $25,000 and 0.10% for balances over $25,000. Share quick Consumers Credit Union review with others and describe your own experience or read existing feedback. Consumers Credit Union. NerdWallet's ratings are determined by our editorial team. 0 Reviews . "Certificates." See older reviews below. Consumers Credit Union. It doesn't earn interest, but members do enjoy essential banking tools, such as:. If you withdraw funds before November, your account will be closed. Consumers Credit Union is part of a shared branching network, which means members can handle their banking and financial needs at thousands of nationwide service centers. Consumers Credit Union (CCU) Reviews . Account features include: This account doesn't come with checks and it doesn't earn interest. However, you need only $250 to open one. Accessed August 19, 2020. Find some of the most competitive auto loan rates at this credit union open to residents of all 50 states. Finally, the Free Checking Account is a basic checking account with no minimum balance requirements and no monthly maintenance fees. The savings account doesn’t earn much: 0.05%. As part of this … Pre-qualified offers are not binding. Consumer Reports members rank the best and worst banks and credit unions, with smaller institutions getting the highest ratings. 202 talking about this. As with any financial institution, you'll need to give Consumers Credit Union your personal information, including your Social Security number, to open an account.. NerdWallet strives to keep its information accurate and up to date. You can also read our community reviews and hear what others have to say about their experience with Consumers Credit Union. "NCUA Federal Insurance." By Anthony Nguyen Last updated: August 10, 2020. The person who assisted me was so extremely thourough, and even came in on her day off to make sure my loan was expedited as i was on a time crunch with the lease maturity date. You can finance a car, buy a house, or save for retirement when you bank at Consumers Credit Union. Uploading Submit your review . Overall, Consumers Credit Union offers a wide range of products with low or no fees, which can be appealing to many consumers. With the exception of the exceptional flagship checking rate, … Disclaimer: NerdWallet strives to keep its information accurate and up to date. ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL . This is a high-yield account that pays you back when you meet certain requirements. For the month of May 2020, the minimum number of debit card purchases required has dropped from 12 to 6. Headquartered in Gurnee, Illinois, Consumers Credit Union (CCU) has been serving customers for nearly a century. Further, the APYs offered on Consumers Credit Union's other … The main benefits include: You'll need to be at least 18 to open a Membership Share/Savings Account. Consumers Credit Union participates in a national shared network of 1,800 branches (along with the 30,000 surcharge-free ATMs). Chronicle Reporter. Accessed August 19, 2020. When you click on links & purchase products we may earn a commission to support our work (this does not cost you anything). Consumers Credit Union is best if you're looking for a free rewards checking account that pays high rates when you meet certain requirements. All Consumers Credit Union members must open a share savings account to establish membership. Our app puts money management right at your … … Min … Consumers Credit Union Rating. It's also a good choice for people who: At Consumers Credit Union, you can choose from a variety of accounts and access them in multiple ways. In researching your case, it appears as of 6/12/you've connected with one of our team members who specializes in … Consumers Credit Union Review. NerdWallet’s overall ratings for banks and credit unions are weighted averages of several categories: checking, savings, certificates of deposit or credit union share certificates, banking experience and overdraft fees. APR. The credit score union, based in 1930, presents an array of merchandise for shoppers, together with checking accounts, financial savings accounts, certificates (CDs), … "Free Checking Account." Our reviews are formed through our comprehensive research process, which involves getting information direct from credit union websites, reading user reviews and other similar … If you withdraw your funds before your certificate term is up, Consumers Credit Union may impose a penalty of 60 days' dividends if your term was less than a year and 120 days' dividends if more than a year., In addition to helping members save and manage everyday spending, Consumers Credit Union offers several credit card options, each with no annual fee, including:. Last updated: Oct 16, 2020. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. In addition to earning interest, it is a free checking account. Consumers Credit Union. Write a review of Consumers Credit Union. The Balance requires writers to use primary sources to support their work. There are many projects and opportunities for personal and developmental growth. October 29, 2020. Help is only available Monday through Thursday from 9:00 am to 5:00 pm CST, Friday from 9:00 am to 6:00 pm, and Saturday from 9:00 am to 1:00 pm. Margarette Burnette is a savings account expert at NerdWallet. The bottom line: Consumers Credit Union is an Illinois-based credit union that lends nationwide. It helps consumers to finance their buying of a home, their children’s education, a new car or other consumer goods. 5 star: (20) 4 star: (19) 3 star: (9) 2 star: (8) 1 star: (35) Order by: Most Helpful | Most Recent. I signed up for a business account and personal savings account with Consumers … Learn more about Consumers Credit Union and its products by browsing the services it offers. Savings rates are much lower. "Rates." Consumers Credit Union offers an extremely attractive rewards checking account with highly competitive rates—up to 4.09% annual percentage yield (APY) on your first $10,000. In conclusion, I personally find Consumers Credit Union a great credit union to do business with. And while the APY on Free Rewards Checking is a solid rate, you have to jump through certain hoops to earn that rate. (See our picks for the best CD rates.) Accessed August 19, 2020. Beyond that, Consumers Credit Union’s other offerings are lackluster, with the savings accounts paying below-market rates and the money market account not leaping to new heights either. There are over 30,000 free ATMs available. Earn 3.09% APY on up to $10,000 by making $500 in Consumers Credit Union credit card purchases monthly plus all the previous requirements. Consumers Credit Union Review: Checking, Savings and CDs Consumers Credit Union is best if you're looking for a free rewards checking … The bottom line: Consumers Credit Union’s biggest appeal is its checking account, thanks to a rate that can go up to 4.09% APY. When the student turns 18, they no longer receive ATM fee reimbursements, and the account must be converted to a Free Rewards checking account before they reach 19 or a $10 monthly fee applies. "Savings." Earn up to 4.09% APY on the first $10,000 with a free Rewards Checking Account. That’s less than the national average and way below what online banks offer. They advertise free rewards checking, based on meeting a list of qualifications. "Truth-In-Savings Disclosure." If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. Consumers Credit Union auto loans review. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. Unlike other credit unions, it's unique in that anyone can join, regardless of where you live or work or your third-party affiliations. Further, the APYs offered on Consumers Credit Union's other deposit accounts are fairly low; an online bank may offer more impressive rates with a low (or no) minimum deposit and minimal fees. All financial products, shopping products and services are presented without warranty. Consumers Credit Union (IL) Reviews. "Rewards Checking." 1 Why it matters to consumers In a modern society, it is difficult to imagine life without some form of credit. Here’s our full Advertiser Disclosure. All financial products, shopping products and services are presented without warranty. "You Can Join." These certificates have a minimum deposit of $100,000. for the best CD rates.) Consumers Credit Union. And compared to the Free Rewards Checking Account, this account earns a much lower APY. We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. American Express® High Yield Savings Account, Marcus by Goldman Sachs Online Savings Account, 0.50%0.50% APY (annual percentage yield) as of 12/17/2020, 0.50%0.50% APY (annual percentage yield) as of 11/17/2020. The minimum to earn interest in a Money Market Account is $2,000. Anna Serio. Account details include: This account renews automatically. at Consumers Credit Union, Federally insured by the NCUA. For accounts with more than $10,000 you earn 0.10% or 0.20% APY, depending on the amount. While branch locations are limited to the Chicago area, members can bank through over 1,800 CU Service Center partner branches as well as more than 30,000 ATMs nationwide., Much higher rates on deposit accounts compared to many traditional banks, Monthly activity requirements to earn competitive APY on rewards checking. Add Review. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. Our partners compensate us. Quick Summary. Prevent identity theft, protect your credit, The difference between term and whole life insurance, How medical conditions affect your life insurance rate. Jumbo Certificates are designed for super savers. 3 reviews of Consumers Credit Union "Just financed my auto lease buyout with CCCU and the process was extremely smooth. Rates for Regular Certificates are tiered according to the term, not the balance. Postal Service Federal Credit Union Review, Best Banks and Credit Unions for Money Market Accounts, Police and Fire Federal Credit Union Review, These Are the Best Rates Available on High-Interest Checking Accounts, Earn More Money With a 5-Year CD Than a High-Yield Savings Account, Complete at least 12 debit card purchases totaling $100 or more each month; post direct deposits or ACH credits totalling $500 or more to your account monthly; enroll in eDocuments, Meet the requirements to earn 2.09% APY, plus spend $500 or more with your CCU Visa credit card monthly, Meet the requirements to earn 2.09% APY, plus spend $1,000 or more with your CCU Visa credit card monthly, Want to earn a competitive APY on checking, savings, and, Want to avoid paying high fees for checking and savings accounts, Are looking to take care of all their banking needs in one place, Free electronic statements and online and mobile banking, Up to $25 per month in ATM fee reimbursements, ATM access at more than 30,000 surcharge-free locations, $5 minimum to open an account and maintain CCU membership, 0.05% APY on balances (as of August 19, 2020), Funds transfer to Membership Share Savings Account on November 1. Ratings are rounded to the nearest half-star. There are no recent reviews. This may influence which products we write about and where and how the product appears on a page. A free inside look at company reviews and salaries posted anonymously by employees. Savings account earnings are capped at 2.00% APY and require a checking account. Increase visibility and credibility of your review by adding a photo. When evaluating offers, please review the financial institution’s Terms and Conditions. The savings account doesn’t earn much: . Consumers Credit Union Rewards Checking. Her work has been featured in USA Today and The Associated Press. To be eligible to apply, you have to join its sponsoring organization, the Consumers Cooperative Association, for $5. 336 talking about this. Dividends are compounded and credited to your account monthly., Share certificates are the credit union equivalent of certificates of deposit (CDs). APY on up to $10,000 by making at least 12 monthly debit card purchases, having electronic transactions (direct deposit, ACH transfer or mobile check deposit) of at least $500 per month and receiving e-statements. Consumers Credit Union. "Who We Are." And with membership open to anyone, a Consumers Credit Union account is more accessible than accounts offered by other credit unions or banks that only operate within certain states. Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc.: Licenses, NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer AccessLicenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812. Consumers Credit Union Reviews and opinions written by visitors like you in a few seconds without registration. Rates are tiered, based on your balance. Starting at 4.24%. For students, Consumers Credit Union offers the Student Choice Checking account, designed for customers ages 13 to 17. 0.50% APY (annual percentage yield) as of 12/17/2020, 0.50% APY (annual percentage yield) as of 11/17/2020. Not to mention their rates offered are the best that I could find! Share Report. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. ‎Access your Consumers Credit Union accounts on-the-go, 24/7 with our mobile app, available for iPhone and iPad. Consumers Credit Union. Phone: +1 (800) 991-2221 0 0 … Alternatively, if you don’t complete the initial requirements in any month, you earn 0.01% APY on all balances. View Photos. The stars represent ratings from poor (one star) to excellent (five stars). But you have to meet transaction requirements to get the best yields. One of the main drawbacks is that Consumers Credit Union doesn't have a large branch footprint, which might make banking more difficult if you don't live close to a branch location. An overdraft costs $30 per transaction, which is a little less than the $35 fee larger banks often charge. For accounts with more than $10,000 you earn, APY, depending on the amount. Many or all of the products featured here are from our partners who compensate us. Consumers Credit Union. Consumers Credit Union Free Rewards Checking Review: 4.09% APY Up To $10K (Nationwide) This post may contain references to products from our partners. Overall satisfaction rating 5 stars: 4 stars: 3 stars: 2 stars: 1 stars: Address: 7200 Elm Valley Dr, Kalamazoo, Michigan, United States, 49009-7444. You can access your CCU accounts in a variety of ways: Your accounts are insured through the National Credit Union Administration (NCUA) up to $250,000 per depositor.. Download Consumers Credit Union - MI and enjoy it on your iPhone, iPad, and iPod touch. The scoring formulas take into account multiple data points for each financial product and service. 8 Comments. Consumers Credit Union was founded in 1930 and is based in Waukegan, IL. Consumers Credit Union has the distinction of offering some of the highest rates around for rewards checking, far outstripping the competition. Consumers Credit Union does not put a daily cap on how many overdraft fees you can be charged. These include white papers, government data, original reporting, and interviews with industry experts. Search and read consumers credit union opinions or describe your own experience. 0.0 out of 5 stars. Its auto loans are best for borrowers who want flexible terms and … Hello Vanessa - We're very sorry about the back-and-forth you've had between the state, Consumers CU and other financial institutions with your *** Tundra. From Account Holders in the last year . It brings down the overall rating and makes a bad reflection and as I said, totally unfair since it has nothing to do with the performance of the bank, it is merely the ineptness of the reviewer to blame. When evaluating offers, please review the financial institution’s Terms and Conditions. Accessed August 19, 2020. In addition to the rate from Consumers Federal Credit Union, check out our list of best rates … Consumers Credit Union Review: Shared Branching . Read more. Consumers Credit Union Reviews (73) Add a review. Consumers Credit Union Auto Loan has auto loans with terms ranging from 6 to 84 months. Consumers Credit Union Review By Stacy Calvert June 8, 2018 Find a Credit Union Consumers Credit Union is a full-service financial institution headquartered in Waukegan, Ill. The Money Market Account from CCU also earns interest. (See. Consumers Credit Union. But if credit is misused, becomes unsustainable and causes … And while the APY on Free Rewards Checking is a solid rate, you have to jump through certain hoops to earn that rate. Learn about our independent review process and partners in our, Checking and savings accounts, money market accounts, CDs, credit cards, Phone assistance available Monday through Thursday from 9 a.m. to 5 p.m. CST, (877-275-2228) Friday from 9 a.m. to 6 p.m., and Saturday from 9 a.m. to 1 p.m, along with secure messaging, e-mail and live chat, Other Financial Products From Consumers Credit Union, U.S. However, the longer … Their other financial products include: If you need help with your account, you can reach customer service by phone at 877-275-2228. APY on up to $10,000 by making an additional $500 in credit card purchases monthly plus all the previous requirements. One of the main drawbacks is that Consumers Credit Union doesn't have a large branch footprint, which might make banking more difficult if you don't live close to a branch location. With Consumers Credit Union, they strive to help their members and their community by offering financial products and solutions. Higher APYs apply to the first $10,000 in your account. Like CCU's other savings accounts, this one has no monthly fee. You can set up automatic deposits or transfers from your CCU checking account to fund your savings. The first step in banking with CCU is becoming a member. 27 Consumers Credit Union (Michigan) reviews. There's no monthly fee and also no ongoing minimum balance requirements, and you need just $5 to open an account. Consumers Credit Union offers flexible auto financing with competitive rates for vehicles from 2012 or newer. Some of the things you can do at a shared branch include obtaining money orders, notary services, gift cards, stamps, and more. Rates for Jumbo Certificates are slightly higher compared to Regular Certificates. Term lengths go up to five years. Rates for share certificates — the credit union version of CDs — are not the highest around. Reviews from Consumers Federal Credit Union employees about Consumers Federal Credit Union culture, salaries, benefits, work-life balance, management, job security, and more. As a full-service credit union, it's possible to handle virtually any banking needs, from saving and spending to buying a home or getting a loan for your business. Your loan term will depend on the year of your vehicle. Full service credit union with nationwide availability. Not put a daily cap on how many overdraft fees you can finance a,. Accurate and up to $ 10,000 you earn 0.01 % APY ( percentage! Why it matters to Consumers in a few seconds without registration to make financial decisions with confidence Union participates a... For iPhone and iPad to excellent ( five stars ) many or all the... 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