SEFCU U, Malta

I will try to list some of the pros and cons I have experienced: Con: $5 ipay monthly surcharges, occasionally unable to login most weekends due to system maintenance, wait time to speak with a representative used to be 5-10, now its 20-30 minute wait times, as they try to encourage you to use the automated teller. Pro: Pretty decent Money management tool, decent car loans and credit cards options ( although other banks may offer similar rates), awesome student banking options, they offer first time homebuyers seminars and money manegment seminars.

Friendly staff, easy to work with and very accommodating. Just switched over from Keybank, I wish I had made the move years ago. Lower fees for everything from overdraft to counter checks and just an all around good experience

Hold time on the only phone number available is ridiculous. If the message says your hold time is 5 minutes its 15. The automated system sucks and you can never call your branch..what the!! Also the denied me a loan, my score at the credit agency says mid 6's the scoring model the use says less they are terrible... ask them how they come up with the score and how there model does it. They cant tell you, it's not a secret it's THEY DON'T HAVE A CLUE!

These people do not know what they are doing. One teller with first name that starts with M, and another desk rep whose name begins with R are incompetent and/or do not consider customers who do heavy business over dumb credit union rules, ie. Holding a personal check of $300 when you have $10,000 on deposit with them. I'm switching over thousands to my online savings account today to say to the malta branch, start treating a great customer in the way I should be treated. Enough of this B.S.

It would be nice if they were a bit quicker. One drive thru and no entry inside... Why not have maybe 3 people pulling from the pot.

I was the only person in the drive thru and had to wait a long time for a simple cash deposit. Disappointing.

Terrible. Slow. Rude. Turned us away today after 34 years as a member.

Best banking experince in the capital region