Embark Credit Union River Dr, Great Falls

Absolutely most difficult credit union I have ever dealt with. Their “system” is designed to push all outgoing transactions before processing anything in. Basically, if you get paid the same day that auto pay bills come through, they will charge everything to your account before processing your deposit. This ensures that, if your account can be overdrawn, they get the maximum amount of overdraft fees. I was once charged 8 different overdraft fees the same day I was paid due to this “system.”

I dealt with a number of lenders while mortgage shopping and it seemed like Doug at Embark was the only one to follow the Consumer Financial Protection Bureaus' rules and provide me with an actual standardized Loan Estimate without a buy/sell agreement. Rates were among the best and very responsive.

I couldn't be happier with the customer service I've received from Embark! I have a very demanding job with hours that span all of Embark's business hours, but needed to contact them about my automatic payments for my credit card account. I sent a letter with a payment asking if they could contact me by email so I could communicate with them outside of business hours. Not only did they quickly figure out what the problem was with my automatic payments, they emailed me AND sent me a card with a gift card in it for my time! This was one of the best customer experiences I've ever had in banking, and I am so happy to know that they have a wonderful crew ready to help out if I need it! I know they're working on the website for smoother/easier email communications as well. I'm a customer for life!

These guys are fantastic. Great communication, prompt service, and excellent care. My only complaint is that web services are a bit behind the times. Right now my only option to pay loans (since I reside in another state) is by mailing it or check by phone. It would be nice to be able to pay from another bank or even debit card. Other then that, love this place.

It is a great credit union, and a great place to get a mortgage they make it a real nice experience and get you a home fast too, I'm glad I do my banking there. Yes, I recommend Embark Credit Union to my friends and people I meet.

I would give a 0 Star review if I could. Ever since Embark Took over The Great Falls Teachers Credit Union, I've have had nothing but problems. They set up an automatic payment on my car loan, and I had an issue with it at least once a year,. The worst was when the almost sent the loan to collections because they didn't transfer money to to and from the right place. Good riddance though, I recently paid off the vehicle and closed my accounts. Stay away from this terrible establishment!

Totally different environment than a bank in that Embark made us feel like a valued member. Very friendly and they get the job done. I recommend it gladly. Good people, good service.

I got a loan for 2 4 wheelers, and it was easy,. Very professional and great to work with. My son even has a loan with them, they wrote his very first car loan for him. With hardly any credit. Now he has used them 3 times. Great people.

Since Embark bought us out, this place has suffered. As a lifetime member, I hope things here improve. Fees are up, service is down. edit: Upgraded to 2* & considering staying, since I got a nice call from Embark. Turns out they were experiencing "high turnover" and there may have been some unhappy employees. Big part of the problem was: I was getting charged for paper statements when email statements are free: (the fact was informative that I had tried repeatedly on previous calls to understand & reduce my fees, but no one had said "Save the $7 by switching to email statements.") I have been a member for >50 years & hate the idea of quitting.

I had a poor experience applying for a loan, but a senior leader (Terry V.) from Embark did call me directly, asking about my experience and how they could improve their services for the future. I appreciated that, and it demonstrated to me that they did value my membership, even though early on I had some doubts.