Client Review on SAC Federal Credit Union Branch at Bellevue

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Update 10/13/2016 I had to reduce SAC's rating by one star today because, get this, SAC failed to send me an alert notification when my available balance dropped below the amount I specified when I set up the alert. Yes, they have my correct email address and there are no messages in my spam folder. Great job SAC, you continue to depress! I guess the next time they pester me with their continuous stream of requests to complete a survey, I'll actually complete it this time. So very sloppy SAC.I've been a member for five years. 4 stars for money management of my account and two stars for customer service. The overall rating is two stars because customer service combined with employee attitude and proficiency is poor enough to warrant this rating.I, myself have only had one or two minor account errors made by employees since I've been a member, so I won't fault them too heavily in this aspect. But less than perfect is not what you'd expect from a credit union. When calling, you get frequent "all circuits are busy" or sent to directly to voice mail because employees are assisting other members. It's an ongoing long term problem. SAC management should email their members about this if they're even aware.Branch managers are overworked and should focus on managing and training--not attending excessive meetings and PR events. Consequently, their employees are not experts in their field as they should be; they make frequent mistakes such as mis-posting deposits, payments, etc., which can affect your credit standing. Ask any employee to explain a CD APR, APY and periodic rate. Most can't explain it. Did you know that SAC is currently matching any other local financial institution's certificate rate? That's nice! Now, go to your nearest SAC branch (don't call...all circuits might be busy) and ask them to discuss this great offer with you. You might hear things like, "yes, we'll match the rate but you have to have an account with the other financial institution...WHAT? If I had an account with that institution, why wouldn't I just open a CD there? This turned out to be inaccurate, but highlights my point.Recently (within the past year) I set up a phone password with SAC. This means in addition, to my full name, address and birth date, they will ask me for a password when I call them on the phone. This is a neat little security feature they've added to prevent fraud/theft. How many times in five calls do you think they forgot to ask me for the password? Once. But once was one too many times. The CU Online website is a joke. It's outdated and doesn't manage your account information properly. Every time SAC does a software update, the line items in both my mortgage loan account and my certificate account loses almost all of the history information. It's a shame the SAC FCU president saw fit to spend millions of dollars on a new building in Papillion when it's very obvious more attention to SAC's employee training and software/telephone modernization are what the credit union needs to invest in. The credit union is a member-owned organization, but it doesn't appear at all as if the leadership is focusing their attention on its members.It's easy to see the mistakes, problems, attitude and customer service problems because I'm a member of a perfect credit union that I can compare it to. This credit union is in Florida, so most of my transactions including deposits are done either online or over the phone. In the 32 years I've been with this credit union, I have NEVER been sent to voice mail when I called; nor have I ever heard "all circuits are busy." I also have never had to correct a mistake they made because they've never made one with my account...in 32 years! I have also not once met or talked to a discourteous or unprofessionally dressed employee there. This credit union has for several years provided its members with the ability to deposit checks via email--SAC FCU still does not offer this service. SAC is definitely several steps behind the power curve technologically speaking.