South Central Credit Union, Jackson, MI

Caleb is a rock star at processing loans in high demand. Nick is one of the hardest working employees, always gets back to you promptly. That entire front house staff works very hard to accommodate their members. Highly recommend for Refi car loans. Purchase the gap insurance. Just be nice to your banker and they will go the extra mile. Easy as that. Who knew... right? Read your disclosures - As they will answer most your questions you may have about your current loans.

I only wish there was a Zero star rating. Your money is not safe with this establishment. Run, don't walk away. Their bank gets robbed, then you don't get your full amount back of what was taken. You'd think an establishment you are trusting your money with would have some reasonable fraud prevention apparatus to protect their customers. Bear in mind I had been a loyal customer for 20 years. Apparently they no longer care about customer retention.

PAGE 1 OF 3 When I very first joined this credit union I was amazed at how well I was treated by the Branch Manager Caleb Khon. He was reluctant to get my car loan processed in a way I had never seen before. He told me all about how he did over $2.5M in loans the month prior and made over $15K in commission and that the board of directors was currently restructuring his pay plan so he couldn't make as much money. Went on to tell me how his base salary is $50K a year and with his bonuses he should clear $200K. He pulled my credit, wrote the loan, and disbursed me the funds within 30 minutes. I have been in banking for over 3 years and have never seen such a magical event. While closing the loan I spoke with Caleb about bringing my other loan to the credit union so that I could have all of my "ducks" under one roof. At this time he told me absolutely no problem, just to let him know when I was ready. Fast forward 3 months. I go in to finally refinance my second car since I had some free time in my schedule. I sit down with Caleb and he already has my NEW credit report on his desk. I was confused because I never gave him the okay to pull my credit report. Not verbally nor did I ever sign anything dictating he had my consent. I didn't make a huge deal about it at this time because I thought he had my best interest at heart. Once we looked at my new score and realized my score had went up 38 points in 3 months I realized that qualified me for a rate of 3% less on the first car I purchased. I told Caleb I wanted to refinance that vehicle as well, he said no problem. We started to go over the numbers to see what I was qualified for. He told me they would not be able to go above 100% of the NADA value on my second car which I was confused because earlier in a text message he said that he could. However I was not worried because I wasn't negative in equity. So when I left the credit union on Monday the deal was to come back on Tuesday and they would refinance my first loan, 3 months old, to a rate of 3% lower than my original rate and refinance my second car at that same rate with a cash out of about $2500. The catcher was that in order to refinance my first loan I had to take an additional grand out on top of the loan since I just purchased it 3 months prior. I agreed. Tuesday comes and I take the day off work to get my loans closed. I go in to see Caleb and he goes on to tell me how they don't feel comfortable doing the loans the way he had previously stated. So with my finance experience, as I manage a bank as well, I asked the question: why? He could not give me a straight answer, he blamed it on the VP of the credit union. I ask to speak to the VP of the credit union. HE, Eric Samon, comes out and greets me. I ask him why he didn't feel comfortable doing my second loan and his words were "Since you don't have any other products with us, I do not feel comfortable going up to 125% NADA value on the loan". I was in disbelief with what he just told me. I corrected Mr. Samon and let him know that I had one car loan there already that I pay two weeks in advance plus I have a Credit Card with them with a $10K limit on it. He looked stunned and started apologizing for his ignorance. He asked me if I minded him taking a closer look at my numbers and I said no I did not. I waited for 30 minutes for him to do so. Mr. Samon came back out and said he still didn't feel comfortable but he did feel comfortable going to 100% NADA value on my second car and allowing me to refinance my first loan with them at the lower interest rate AS LONG AS I TOOK AN ADDITIONAL GRAND OUT ON THE NEW LOAN.

Transferred 2 loans to south central recently. I've been a member over 20 years. I've never had issues with the services rendered.

Really great people from the top to the bottom of the organization. They listen and then they find a way to help. I'm very glad I became a member.

I just want to say it's sad to hear that Jessica B. Will be leaving Sscu this month. she was by far the nicest employee I have experienced this entire year and the only employee I have yet to be disappointed with the service I've received. Jessica gets a 4.5 star from me. As for sscu as a whole.... Read below I'm in my late 20's and banked with sscu my entire life. My parents before me. I Have been having a very hard time getting any genuine help when I ask for it... Long review short.. I got screwed out of a vehicle loan and shafted with a personal loan interest rate to buy a vehicle they gave me ill advice on for how to properly finance the purchase... But for a 2 star review I will say in another case sscu inadvertently gave me a "free" jeep lol! What bank in their right mind would allow someone to refinance a vehicle they gave a loan for to two people originally listed on a title and then not get my signature to sign off on the title before they took my name off the loan lmfao. Thanks sscu I owe nothing on a vehicle my name is still on the title for 🤣

Have banked here for 20 years. Spent 3 months meticulously researching the current state of the car market. I asked them a ridiculous amount of questions leading up to this, trying to anticipate every variable. They turned me down for a loan because jdpower says the price is too high for the car I wanted to buy. It says the average paid for my car is $7500, which is an absolute juke. The lowest priced one currently in my area is $7800, and it is junk. It was in a serious wreck, bumpers were replaced without being painted, and no major maintenance has been performed at 160k miles. The next best price in a 500 mile radius is $8800. This car is 470 miles away in Pennsylvania. The car has rust, 6 previous owners, accident reports, and very few maintenance logs, let alone major maintenance done like clutch etc. The price from there obviously goes higher and higher for vehicles that are sub par and sold by soulless car lots. I managed to find an honorable car salesman. The vehicle I wanted to purchase was $9500 after taxes and everything else. They did $2500+ in maintenance before listing the car. New clutch, new plugs, fully serviced, fully detailed, etc, etc. This car is 30 miles away and in mint condition. Here's the best part. They already told me I could get a loan for up to $15,000. I asked every question I could possibly think of, and they forgot to mention that they will deny a loan if it doesn't have an equal or lower number than some joke of a website. Their 2 minute assessment trumps my countless hours of daily research. Not only that, but I drove all the way to their office in that hell hole of a city known as Jackson. I am not a local, and my car is not long for this world. I spoke with them before making the trip there and they asked if I got the voice mail. I don't use my phone while I'm driving. They have screwed me over and will probably cost me my life this winter trying to drive this POS I currently drive. Hard pulls plummet your credit. They are liars and their methods for assessing value have no merit. Had I not asked a million questions before going through with this, I would have known nothing. But what do they care? They sit in their air conditioned office all day deciding who gets money, they don't care what people go through outside of their doors. They don't care about their members, and they sure as hell don't care about 20 years of banking relations. Why bother? You'd get better service from an online bank. Take one look at their boomer website and tell me I'm wrong. I was thinking I'd get this $9,500 loan this year, and next year get a $15,000 loan to rebuild my garage. They get nothing now and I will no longer bank with them, and neither will my family. They bait and switched me, hoping to trap me after driving an hour and a half to their office that I'd all of a sudden come up with a few grand down payment. These are the people that deserve to be bankrupt.

They pulled my credit. Told me I was clear to look for a car. I asked many questions leading up to this. After I did all the legwork. Made multiple inquiries on vehicles until we found one with a clear title and they turned around and denied me for lack of experience with them. Terrible banking experience. They don't trust the community so don't trust them.