Rally Credit Union Reviews
5
25%
4
7%
3
4%
2
4%
1
61%
2.3
28 reviews
28 reviews
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Most Recent
Diana Sepulveda
@deesep_1
1 Star Rating
My bank account was compromised with suspicious activity, possibly fraud or unauthorized use by an unknown person. I received a call that I hoped was from a bank representative, so I went to the physical bank to confirm and take action because I was suspicious. A bank associate named Michael Villarreal proceeded to lecture me about how my suspicions were unwarranted and unfounded, telling me that "it's not cool to express such suspicion," even though the fraud amounted to over $1,400. He did not care about my suspicion and fear of losing money. I expect my bank associates to support me in the event that I could lose my hard-earned money, which they are in charge of protecting. Instead, I'm expected to prioritize not offending the bank workers' feelings before demanding that they protect my money. I didn't sign a contract that obligates me to consider the sensitive feelings of bank workers. I signed a contract that requires them to protect my money and assist me in resolving any fraud committed against me. I cannot do banking with Michael Villarreal again because he has confirmed that he is not interested in helping me; he is there for himself.
Product: Rally Credit Union Checking
Comment
Art Guerra
@aguerra0523
1 Star Rating
If I could rate this company with zero stars, I would. This baby bank was chosen by our car dealer to fund my wife's vehicle loan, without notifying her which bank was chosen. As a result, we had no opportunity to check reviews or learn more about Rally's business reputation.
As it turns out, this bank has no compassion, no empathy, and no heart for its customers, it's all about the money and how fast they can get it. Recently I fell on hard times and have been unemployed for quite some time. Until this month, my wife and I have been able to handle our finances without issue, but now we are having financial problems. My wife called Rally to request a deferment of her auto loan payment for one month, preferably two, as I am scheduled to finally return back to work in January but have limited funds right now. She spoke with two collection clerks (one was supposedly a supervisor) and both in their most robotic tones refused to help her, siting policy, even after she begged them for help to the point of crying on the phone. Even so, they remained robotic, showing no emotion at all. In the end, she was just transferred to a different department after being told that the only option left was to apply for a temporary payment reduction. After talking with a person at this department, who was also robotic, she was told that she would have to submit a whole new application and have her credit pulled again to see if she qualified. She did so and was then told that a VP had denied her application because they saw no financial hardship.
Now I understand that my wife's loan is new, but how they can say that she is not suffering any financial hardship just amazes me. Is having one spouse not working, not a hardship? Is being a teacher in Texas, not a hardship, when the Texas legislature is refusing to fund schools. Is it not a hardship, when one has to choose between making their car payment and Christmas? Come on. Please avoid this bank, if possible. They refuse to care.
Product: Rally Credit Union Car Loans
Comment
Cierra
@buentellocierra
4 Star Rating
I'm glad they work with me . Vary nice and willing to help me with any questions I need answered . Respect. I would keep recommend people there way
Product: Rally Credit Union Car Loans
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Damond
@damondjames987
1 Star Rating
This was the worst experience dealing with navy army community credit union, I won't ever use them for a car loan, when you fall on bad times and can't make your car payment, they tac the late fees at the back end of your loan, I didn't know this until recently, I'm thinking I'm finished paying off my car, according to the navy army's app and they reported to all 3 credit bureaus that the loan is paid in full and knowing behold I still owe 406.96 dollars, of late fees, the reps saids, and that has to be paid, in order for them to release my title and send it to Austin, to get process,ppl here do not help their customers at all...
Product: Rally Credit Union Car Loans
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akruger5838
@akruger5838
1 Star Rating
Since the change to Rally the on line app has been terrible customer service even worse I will be removing my money and putting in a more reliable bank
Product: Rally Credit Union Checking
Comment
1
linnie9388
@linnie9388
1 Star Rating
First of all you have to go through so much crap to get to talk to a person. I was showing a deposit but it didn’t show where it came from on my checking account. I called the first time and I was on hold for 10 minutes and then I got cut off. I called back I was on hold for over 30 minutes and finally I hung up. Real simple question where did the money come from? I finally just give up. I love the bank but the phone system absolutely sucks.
Product: Rally Credit Union Checking
Comment
Jo Rosales
@josrosal
1 Star Rating
If I was able to give this agency a ZERO stars review I would. Called to set up a draft of our very first payment on car loan. RUDE people at the Corpus Christi call center. People at the local branches (Rio Grande Valley) very helpful, knowledgeable and understanding. If you can avoid calling, DO SO.
Product: Rally Credit Union Car Loans
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juleshwrd
@juleshwrd
1 Star Rating
If I could give a zero I would.
If you are actually looking for a bank that actually has your best interest at heart and are ready to help as the commercials say. DON’T bank here!
Product: Rally Credit Union Personal Loans
Comment
Rally Credit Union
@NavyArmyCCU
Ms. Howard, we would like to hear more about your experience and how we can improve our service. Please reach out to us at [emailprotected] at your earliest convenience, so we may address your concerns.
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Samuel
@smunguia
5 Star Rating
Excellent Bank. Thank you for giving us opportunity. I will definitely recommend it to family and friends. NavyArmy thank you so much.
Product: Rally Credit Union Car Loans
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1
Abel
@you4latin2
4 Star Rating
NavyArmy is a good Credit Union Bank. They help you in getting a good rate in purchasing a vehicle thru them. They are very informative in getting you help.
Product: Rally Credit Union Car Loans
Comment
jkmg356
@jkmg356
1 Star Rating
I don't even to know where to start with my anger and disappointment when dealing with these incompetent people....there honestly isn't enough time to list the headaches and heartaches they have caused me over the years. It started several years ago with their so-called "system upgrade." My savings, checking, and 2 loan accounts were literally "erased" from their system, but when the payments were supposed to be auto paid, they charged me late fees for months, even though they wiped my accounts off the board. My ATM card didn't work, the teller line didn't recognize my SS# or my acct.#. I eventually moved everything except my mortgage to a real bank. Just 3 days ago I received my mortgage statement and my 12 year old daughter received her savings statement from Navy Army.....I'm dead serious....they deducted my mortgage from my checking AND they deducted a mortgage payment from my daughter's account as well! My daughter's account has ABSOLUTELY NOTHING to do with my mortgage....but they took money from both of us. And believe it or not, I can't even get them to return my call. I'm livid, and stunned at the same time.
Product: Rally Credit Union Mortgages
Comment
Rally Credit Union
@NavyArmyCCU
We sincerely apologize for the challenges you have had to overcome while banking with us. We would like to work with you directly to try and rectify the experiences that have occurred. Would you please email us at [emailprotected], and provide a number where you could be reached?
Comment
amber_wise
@amber_wise
1 Star Rating
We have been customers at NACCU for over 15 years and we have watched their customer service and competency quickly deteriorate. We moved to Austin and decided to keep our accounts open since they offered web based services and offered ATM services at participating banks in the area. Unfortunately, NACCU'S merchant services is not properly trained and I can't tell you how many times I've heard "I'm unsure" for their reps. If you are handling someone's money...you don't want to hear uncertainty. The manager said he would call me back (that was 4 months ago) and I had to make another call today and I was placed on the "queue" for a manager to call me back. SIGH...guess I have to start the encumbering task of moving banks, changing autopays and debit cards. Thanks Navy Army for dropping the ball! Hopefully my review will open up the eyes to the executives.
Product: Rally Credit Union Business Services
Comment
Rally Credit Union
@NavyArmyCCU
Thank you for your feedback, Amber. Your comments are being sent to our management team so that they are aware of your experience. We will be in touch with you soon to learn more about your experience.
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Markos
@markosrodriguez408
5 Star Rating
Great communication easy access, great help with understanding and giving feed back about loans and how to pay of sooner with minimal interest.
Product: Rally Credit Union Car Loans
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Sammi sh
@sammi_s_perez
1 Star Rating
EXTREMELY disappointed with the services we've received during the last few months with Navy Army. During this pandemic, I've been able to work with my other car lender to avoid repossession and they have graciously considered all my "real life" scenarios. Navy Army could care less about the difficulties their customers are facing during these hard times. I will be closing my checking/savings account with them as they have NO PROBLEM telling me one thing and doing another, regardless of ANY arrangements or discussions made.
Product: Rally Credit Union Car Loans
Comment
Rally Credit Union
@NavyArmyCCU
Sammi- We would like to hear more about your encounter and how we can work together to resolve any complaint. Please email us at [emailprotected] at your convenience.
Comment
Norma
@nleal1007
1 Star Rating
I have been with Navy Army for some years now and have to say that recently I have been quite disappointed with their services. It seems their new tactic is holding on to pending purchases as a way to try and charge overdraft fees from their clients. Also, my credit score went up so I tried to get the interest rate on my car loan lowered, however, I was denied. I know times are tough but this is also a time to realize who is with you through the hard times and who is not. Looking for another bank if anyone has any suggestions please feel free to comment below. Thank you.
Product: Rally Credit Union Car Loans
Comment
Rally Credit Union
@NavyArmyCCU
Norma- We would like to hear more about your experience, please email us at [emailprotected] at your convenience.
Comment
Review Rally Credit Union
Rally Credit Union Q&A(13 questions)
Get answers to your questions about Rally Credit Union below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
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Upvotes
What year is the oldest Rally will Finance
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Upvotes
my fico is 585 so do i qualify for an auto loan?
Reply
Upvotes
Does navy army also refinance auto loans that are already under navy army?
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Upvotes
How do I request a debit card?
Reply
Rally Credit Union
@NavyArmyCCU
You are able to visit any branch and a debit card can be instantly issued or give us a call at 1-800-622-3631 to submit a request.
Upvotes
How do I enroll in estatments
Reply
Rally Credit Union
@NavyArmyCCU
Login to your online banking account, click on the menu bar, select "Services" then select, "Statement" you will be asked to validate your email a new window will appear, and you will select the profile shaped icon and manager your choice under the section "Delivery" you will have the option of "Online Only" or "Paper Mail Only." Please feel free to contact us if you need further assistance 1-800-622-3631.
Upvotes
What credit bureau is it used for the auto loans, land loans and personal loans?
Reply
Rally Credit Union
@NavyArmyCCU
For personal and auto loans we use TransUnion as our primary source. We have the ability to pull Experian and Equifax, however, we only pull an alternate bureau if a member asks us to. We've found that TransUnion has the most thorough and updated info of the three bureaus.
For land loans, our Real Estate Department uses a Tri Merge report that incorporates information from TransUnion, Equifax and Experian. This method is mandated by...
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Upvotes
What credit score is required
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Rally Credit Union
@NavyArmyCCU
It can dependon what product you are interested in? For auto loans we take a range of scores while also considering other factors.
Upvotes
Can you refinance an auto loan that isn't under your name but want to take over payments and put vehicle under your name?
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Upvotes
Do you refinance car loans
Reply
Rally Credit Union
@NavyArmyCCU
Yes, we do refinance auto loans that are not currently financed with us.
Upvotes
Why does the atm won’t take my cash only checks
Reply
Rally Credit Union
@NavyArmyCCU
There are times with the cash receptacle is completly full andnot able to accept any more cash deposits. We apologize for the inconvenience that this causes.
