Michigan Schools and Government Credit Union — Local services in Chesterfield Township

I reluctantly decided to finance my vehicle with this union and if you're thinking about having them do yours, RUN. RUN. RUN. Not only has working with them been the worst experience I've ever had with a financial institution, but working with them has also negatively impacted my credit. Payment processing is an absolute disaster, customer service is even worse. For MONTHS, I was getting called that I was past due on "late payments", every month I would call and pay said "late payments" time and time again. Paying over $100+ in these "late fees" every month since October. (My payment has been set to auto pay since Oct. 2022) Low and behold, I talked to them AGAIN this month (April 2023) and was informed they decided to add insurance payments to my loan payment without my permission which brought my payment up to almost $700 a month. On top of all that, they charge you extra to pay via phone, debit or credit card. OH, when you get hit with late fees you have to pay, you cant just pay the fee online then set up your auto payment. You have to wait for 3-5 business days to set up the payment. All around absolute clown-town over here. I would RUN anywhere else...

If I can give a 0 I would. I called today to talk to a mortgage officer. I told him I have my credit report and was he able to look over it to see if there is anything he see they may prevent me from getting a mortgage before Pre approval. He right away sound like he didn’t want to assist me much. Asked what’s my credit score (understandable), he asked how much money do I have saved (I said my amount) he said immediately that I need 10,000 at least before even stepping into thinking of a mortgage. I definitely understand I may not have $10,000 but he didn’t even ask was I able to save up soon towards that amount or even looking over my credit to see if I may be eligible for a program or even help advise me on what I should work on to be eligible for a mortgage. It’s like he shut me down with the 3 questions. What’s the point of a financial institution if I can’t depend on my bank financial advisor and mortgage officer to help me work towards my...

This entire credit union lacks the responsibility and ability to fully educate clientele and members on their loan information. Not only that, but they do NOT have a reasonable solution for individuals experiencing financial hardship, and/or job loss. This establishment actually CHARGES you in the event that you need to push-back or skip a payment relating to financial issues. All in all, me and my family regret utilizing this credit union for any car and personal loans based strictly on their lack of modern-day solutions and efficiency to explain any important elements regarding our situations. To top it all off, their mobile and online banking is outdated and...