KCT Credit Union E Indian Trail Rd, Aurora

Its a shame. I really liked KCT when I first opened an account here, I even got my whole family to switch to them, but within the past two years they have gone down hill. It seems like anytime there is an issue that is their fault they wont take accounitbilty and refused to reimburse for their mistakes. Sadly due to this I decided its best to closed my accounts here and go to another credit union. Ill be advising everyone else I know to do the same.

I've been with KCT for a little over a month now. Cynthia Hernandez does a good job and replies to everything promptly and precisely, she did my auto loan refinance and was very detailed. Don't have to worry about getting a response with inquiries from her because she always finds the time to get back to you.

Joezette is amazing at her job! She was able to refinance my car loan AND she helped me get a consolidation loan so I could pay off some high-interest credit card debt. This saves me lots of money each month! I am so thankful and appreciative of her knowledge, patience, and customer-service skills. 100% would recommend Joezette at KCTCU for all your financial needs. Sincerely, Michelle Crete

5-star experience as a new member. I am sure everyone is wonderful here but I have a special thank you to Giselle Torres for her outstanding service, professionalism, and attitude. She is an absolute angel and breath of fresh air!

I'm a service member and my schedule was quite improvised being deployed and trying to run a business. Diana was super helpful, kind and understanding as my timeframe kept changing. I was very worried KCT would become frustrated and I would lose the loan. Diana truly was a friend and helped me while I was on base. I couldn't be more thankful and more impressed. KCT really cares about their clients! I'm grateful for Diane's help and understanding through it all.

I have an account with kct since 2016 and I'm really happy with their service.Cynthia is really good in her job and she always helps and answers my questions.

11 years ago, I was a very successful online retailer My Moher lived in Chicago and banked with the KCTCU for 30 plus years as a teacher. I had an account since 1994. I used my credit union to purchase product. I paid it off every month About the time my Mom had a heart attack I have been diagnosed as auto immune from exposure to toxigenic mold in my home in CA. I went back to help my Mom and my business was struggling due to my health etc. I paid the min balance off every single month. Paid never late. Ever. Exemplary payment history but I could not pay it down, My Mother said I should call Craig, the president and see if he might help me with the nterest rate.. I told him my situation. He told me they would have to close my account but they would not put it on my credit and clse the debt. Last year in September my Mother who needed a heart valve went into hospice and died screaming of bedsores to the bone. In October my Brother and I, who also banked here went in to settle her estate and leave money in to pay the property taxes and any medical bills that might come in. They were extremely rude to me. Refuesed to speak to me directly and told us it was because my Brother was the power of attorney . When my Mom died there was no power of attorney. Before she died, I had called to see if I still had an account and they told me her balance in our beneficiary account. This is illegal, but based on how the mafia I mean the KCTCU operates, as they told us and our estate attorney, they are above the law and can do as they please. That night my brother calls me and wants to know what loan I had that they took 10,400 dollars out of the account. They came back saying that when my Mother died, they had the right to take this money. Our attorney sent them a letter regarding federal law and statute of limitations for a collection, They went into my credit report and changed the date of closed never late credit card account and put charge off debt delinquent, loan closed changed from may 2008 to June 2010 that was 5 days after our Estate attorney sent them a letter. Dropped my credit score over night 100 pts. During this time I have survived the Thomas fire, and am getting chemo shots in my eyes and trying to grieve. When I disputed it with the reporting angencies they went back in yet again and changed it to 2018. These thugs are just that. A woman in IL who is a close friend and does credit repair told me this is just straight up malicious. She told me she would never use a credit union and warning all her clients as well. Mike Lee the CEO never reached out or responded. They lawyered up and said they are a credit union and above the law. Sorry for your loss was never uttered. Instead they continue to maliciously percesute me and escalate. If you think this is a kind small town “non profit” you should check out what their net worth is and run like hell to a FCIC insured Bank. They operate however they like and If you have a problem and you are not 2500 miles away getting chemo you can sue them. Otherwise you can go pound sand.

I got account KCT with Ms,Joezette J Gonzales. she is really polite and professional. I was really happy work with her.

Good if your account never goes to zero. Otherwise they will cover some things charging you an overdraft fee, of course, which is fair. What is not fair is that after a certain amount of days, they will stop paying for things that try to debit from your account, but they will still charge you an overdraft fee for every attempt.. I just found out about this and have over $100 on over draft fees with nothing being actually paid for, no money being debited, except for their fees. Instead of declining the transactions, every payment is returned, and I am charged a fee for the process. Talked to them, said they cant remove the fees because theres an actual process going through even though they are not making the payment. Why cant they just make the payment too then? One of their employees told me "So you are saying that we should pay for your transactions even though you dont have money in your account and is in negative?" I told her: "Well, if im still going to be charged an overdraft fee, then yeah I think so." And she didnt have a choice but to calm down and call her manager. Besides, its not like the bank is giving away the money, I still have to pay it back, and with a fee. Im not asking the bank to pay my bills or even to lend me money. Dont pay anything, but dont charge me an overdraft fee either. I asked if I could stop the overdraft service, said they cant. They say that they can put a stop on my account if i want to, but they will charge me another $28. I am going to pay my overdraft fees, leaving the account on $0, and closing it.

Great customer service! Joezette was particularly helpful and resourceful. Reasonable refinancing rates you won't get anywhere else. I'd give 10 stars anyday!