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Credit union

USE Credit Union Shattuck Ave, Berkeley

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+1 866-873-4968




2350 Shattuck Ave, Berkeley, CA 94704, United States

USE Credit Union Reviews

10 Reviews
  • N

    Nathan Muldrow

    Make sure you get digital confirmation that you’re enrolled in paperless billing. Had two different associates assure me I wouldn’t get billed and they ended up billing me for months.

    Response from the owner

    Hi Nathan – Thanks for sharing your feedback. We’re sorry for any inconvenience. Have your issues been resolved? If not, please call us at 866.873.4968. We’d like to learn more about what happened here, provide assistance if needed, and identify any opportunities to improve our processes.

  • K

    Kyle Jackson

    The staff at the branch in Berkeley, CA is really AWESOME!! They do a fantastic job of customer service and always make me feel comfortable. There is hardly ever a line and the service is fast, friendly and efficient. Mireya (a manager) not only helped open the account, but was VERY supportive when issuing new checks and a debit card when my car was broken into. Marquita (a representative) is helpful and friendly, often asking about my day, while providing excellent service. The entire staff at this location is GREAT!!

  • J

    John Prato

    When I need them most, they've got my back. Totally convinced: Update: I was victim of a reasonably large amount of fraud ~10K worth, stolen from my checking account via check fraud. I have to say the staff was AMAZING, totally competent and also compassionate in dealing with me and let me know up front what I needed to do, what they would do, and that I'd get my money back in 7 - 10 days. Which actually happened! I can't thank them enough for being supportive and walking me through a few relatively painless reports. I was blackballed from the traditional banking system due to some accounts I forgot to close after graduate school in the mid-west, USE Credit was happy to sign me up, which I really appreciated. The staff here in Berkeley is super friendly, very personable, and I've had a great experience overall.

  • T

    Teresa Gomez

    I changed to USE Credit Union because I didn't want to support the big banks. I used to bank with Bank of America. I've only been with them for about 4 months but have had nothing but problems. I tried to buy a car from a friend and I wrote him a check, his bank had to put the check on hold for about 2 weeks, because they hadn't received the funds from my bank, thus my friend thought that the check had bounced and the whole situation really stressed us out. Last Saturday I went to deposit a check in the ATM machine outside the Berkeley Branch ane I got an error reading saying there was an issue with the envelope. I called my bank on Monday and now I have had to fill out an "dispute "form in order to get the money because the ATM is run by a third party and I may have to wait up to 10 days for my check. Luckily I have some savings but if I didn't I wouldn't have been able to pay my rent. At bank of America the ATM machines just scanned my check and I was good to go. If they had trouble reading it then the check would be returned to me. It just feels like USE doesn't really have a hang of things just yet. Like they are a baby bank just learning the ropes.

  • T

    Ted Apstein

    Opened up an account with USE as they had the best car loan rates. In order to become a member with them to get a loan they make you to open a "free" checking account for $100. Watch out -- there are a lot of hidden fees. They incorrectly charged me with "no e-statement" fees twice, and when trying to close the account they made me aware there's a 90-day wait period otherwise it's a $15 fee. None of this was disclosed upon signing up for the account, just hidden in the fine print. Nothing too huge, and it was worth it for the lower finance rate --- but if you're to actually bank with them, I'd check the fine print closely. All the agents have been helpful when spending time on the phone resolving these issues.

    Response from the owner

    Hi Ted – First, we want to thank you for choosing us for your auto loan – we’re glad we were able to get you into your new ride at a great rate! We’re bummed, though, that you had a not-great experience with your checking account. We know members hate getting dinged with fees, so we try to be clear about how to avoid them. Unfortunately, it seems we didn’t come through for you on that. We’d love to have you back, though, and have reached out by phone in hopes that you’ll give us another chance.

  • J

    Jordan Lindsey

    Easily the worst customer service and practices of any credit union I've encountered. Usually credit unions are community oriented businesses, but starting with their decision to no longer let people from other credit unions bank there in December of 2015, essentially taking them out of the co-op network that is a major appeal of credit unions, it has become clear that they are a credit union in name only, today I simply tried to get 20 dollars worth of quarters for change and they told everyone I had to be a member! Shame a bank like this is allowed to call themselves a credit union on Berkeley.

  • G

    Gregory Dalton

    They have all the big-bank bells and whistles. Complete online banking including bill pay and Quicken-powered spending/budgeting. A mobile app to deposit checks from your phone, find ATM's (all over the place, including Walgreens and 7-11), transfer $$, etc... I established my home loan from them, and it was a great experience. They work with realtors, and the one we had was awesome! I work at Cal, so the proximity of the branch may skew my experience positively, but I think they're great.

  • D

    Darius Farraye

    Average banking experience. I switched to USE in 2012, wanting to bank with a local bank instead of one of the large banks. I have been relatively disappointed with what I experience as a general feeling of "still getting off the ground". Have had to deal with a handful of inconveniences, such as credit card strips going bad, cards being blocked (as a security measure when they saw I made a large online purchase, but then customer service directed me to fix it with Mastercard, who then directed me back to USE), and bugginess on the web site and mobile app (app fails sometimes when making a mobile deposit). Customer service is somewhat friendly and they are down the street, which is nice. But service is average at best and has me considering switching. I would do more research next time I choose a bank. I'll update my rating if I see improvement.

  • J

    Josh Lachman

    Three employees were standing on the corner outside the credit union today smoking. There is a sign in the window of the credit union (and the store next to it) "smoking is prohibited in this commercial area." If they don't care about following the law (albeit it is one that the police don't enforce often) do you think they care about taking care of your money?

  • L

    Lauri Lyle Bird

    They always welcome me by name, and I have yet to have any kind of problem or difficulty with any of my banking needs, they are quick to respond to all of my questions and rarely is the answer no we can't help you with that. This is an update, I am very pleased with USECU, I'v been doing my banking with them for awhile now and they have served my needs very well.

Personal Loans in Your Area of Berkeley


  • 1. How to Get in Touch With USE Credit Union?

    You can call them at this phone number +1 866-873-4968. You can also enter their official site and fill out the application form online.
  • 3. What Are the Steps to Get a Loan at USE Credit Union?

    To apply for a cash loan, you can enter their official site and fill out the application form online. If you are searching for small payday loans, you can go to our website for more details.
  • 5. What Happens if I Fail to Pay Off My Loan?

    Kindly talk to your lender if you feel it hard to repay the loan on time. Different lenders have different policies of overdue payment. Please always read meticulously before signing any loan agreement.
  • 2. What Is the Site Of USE Credit Union? How Can I Get There?

    USE Credit Union is situated at 2350 Shattuck Ave, Berkeley, CA 94704, United States. You may check out the map and identify the fastest route to access it.
  • 4. Is USE Credit Union an Agency or a Lender?

    USE Credit Union is a Credit union. To make your lending process fast and easy, we get you connected with a large pool of honest lenders over the internet. You can visit our official site to secure a small personal loan with no hard credit check.
  • 6. Does USE Credit Union Offer Loans for Bad Credit?

    Yes, but if you want to boost your possibility of getting approved, you can turn to our broker service! Just turn to our online service to secure a long-term installment loan even with your low credit scores.