U$X Federal Credit Union Reviews: 12 User Ratings (2024)

USX Federal Credit Union is a member-owned financial collective based in the Pittsburgh, Pennsylvania area existing to provide members with advantages in every aspect of their financial lives and giving them the confidence of financial security. They offer a variety of products and services, including checking and savings, IRAs, credit cards, mortgage and home... show more

Eligibility

Find out if you are eligible to join U$X Federal Credit Union.

U$X Federal Credit Union Reviews

5

83%

4

8%

3

8%

2

0%

1

0%

4.8

12 reviews

12 reviews

What's Your Rating?

Abby Jo

@live4everlove

4 Star Rating

The most serious problem I've face with this credit union is setting up my online profile. I was unsure how to do it and it took a bit of time on the phone. However, the employees that helped me were patient, helpful, and attentive. Ultimately my account was setup and I understand how to use it. I am truly grateful for their help!

Product:

Comment

alex chein

@alexchein

5 Star Rating

Usx Federal Credit Union has a variety of business. Among them I have applied to their credit card services and it was a very easy online process. First you need to fill out all the required information and they will reply to you as soon as possible. The reason why I love their company is that their rewards are excellent for the members.

Product:

U$X Federal Credit Union Credit Cards

Comment

Joseph Dowling

@joseph_dowling_75

5 Star Rating

I have had Usx Federal Credit Union for around three years and am a satisfied customer. I originally went with them because I wanted to get a credit card through them and being a member made it easy to get. They gave me a credit card when no one else would and it is really helping rebuild my credit. The service at Usx is really good and all of the people that work there are really nice. I just got a car loan from them a little while ago and was able to get a really good interest rate through them.

Product:

U$X Federal Credit Union Credit Cards

Comment

1

wing lee

@kevin5926

5 Star Rating

This is a really, really good credit union that I opened an account with about three years ago. The customer service is outstanding; they always are friendly and happy to help. It almost seems like a big family. The interest rates are quite good. While they are not exceptional they are better than most. The application is very easy and straightforward, and once I got in, it was great. Anyone could apply, if only with a little attention. I would highly recommend this credit union to any of my friends or acquaintances. I really like this credit union, and would not use another one.

Product:

U$X Federal Credit Union Checking

Comment

David

@Dooda85

5 Star Rating

This is a really good credit union that I have used over the years as I have become a much more sophisticated credit consumer. It has always been very reliable and is really good if you know what you are doing, which I do at this point. Every time I have had an issue they have resolved my problem very quickly. The application process is very straightforward and anyone could do it as long as they are paying attention. I also feel that this has done me many good services. All in all, I really like this union and would recommend it.

Product:

U$X Federal Credit Union Credit Cards

Comment

Michael Johnson

@michael_j_johnson_395

5 Star Rating

I opened a checking account with USX Federal Credit Union a few years back but have since closed the account because I moved from the area. I miss it greatly. Having a new bank after dealing with USX Federal Credit Union for so long is absolutely horrible. I don't think people understand the greatness of USX Federal Credit Union until they leave. They were always so friendly and I swear... they knew every customers name and face. I always felt at home when banking there. I never had any issues dealing with them and never had any weird charges on my account like some banks do. I recommend USX Federal Credit Union wholeheartedly!!

Product:

U$X Federal Credit Union Checking

Comment

Hollie

@hreiland

5 Star Rating

I have belonged to USX Federal Credit Union since I first got a checking account. All the members in my family are members so it is definitely something the runs in the family. I really like that when I walk in to make a deposit or withdraw that they greet me by name and are genuinely happy to see me. I know the tellers by name as well. Anytime I ever have questions or problems they are quick to resolve them while still explaining what happened to cause the issue. I also have a car loan and a credit card with this credit union. Their interest rates are very reasonable and the automatically deduct the payments from my checking account. I really like never having to think about making the payments. Overall USX is a great place to do my banking and I would recommend that you see if you are eligible to become a member here. It is worth it.

Product:

U$X Federal Credit Union Checking

Comment

Nicole Spears

@nspears3

3 Star Rating

I used Usx Federal Credit Union only once because I needed to cash a check without being charged a huge fee. I opened up a checking account with them only for that purpose. The time I was using that credit union which was for a period of three months, the staff at the credit union were extremely friendly. I did close my account only because I was only in that area for one summer, so I would not be able to have complete access to that account. It was very easy to set up an account with them, they even informed me of many options to consider increasing my income while in the bank, and I use that advice to this day. I highly recommend this credit union to anyone.

Product:

U$X Federal Credit Union Checking

Comment

1

King Rome

@pray4midownfall

5 Star Rating

My experience with USX Federal Credit Union was simply outstanding. The application process went extremely smooth and their customer service reps guided me through it in an effective manner. Furthermore, I loved the fact their customer service reps were very courteous. I could tell that they genuinely wanted to help me which was a plus. In addition, the service I received was very prompt. I did not experience long wait times when visiting one of their locations or when calling by phone. Their rates are also very good; in fact, they are one of the best I've seen. I would certainly recommend USX Federal Credit Union to anyone.

Product: U$X Federal Credit Union Personal Loans

Comment

Remus Dutulescu

@remus_dutulescu

5 Star Rating

Buying a new car has always been an issue for me ever since I finished college. As a background, I have to travel quite a lot between where I live and where I work, several times a day. Last year I finally decided to get a car loan and buy a new car. I feared that I'll have to pay tons of interest per month, but it was not the case.

Obviously, I research the car loan "market" before and I concluded that the Usx Federal Credit Union offers the the best balance between low fees/interest rates and customer services. The application process was simple and facile, unlike other federal unions'. Then, like I said, the customer service was top notch - they answered promptly and gave me detailed responses whenever I was unsure or curious about something regarding their car loan offer.

About the car loan itself, I have no complaints to make. I barely notice the interest I pay and they never disturb me with phone calls and e-mails whenever I fall back with my payments. All in all, I highly recommend the Usx Federal Credit Union especially to someone who needs a car loan.

Product:

U$X Federal Credit Union Car Loans

Comment

1

+ 2 WalletHub users submitted a rating without writing a full review

Review U$X Federal Credit Union

U$X Federal Credit Union Offers

Car Loans

Checking

Credit Cards

Home Equity

Investments

Mortgages

Personal Loans

Savings

CDs

Student Loans

U$X Federal Credit Union Q&A(2 questions)

U$X Federal Credit Union Reviews: 12 User Ratings (1)

Do you have a branch in Reading PA

Upvotes

Reply

What are non-employer based membership opportunities?

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U$X Federal Credit Union Reviews: 12 User Ratings (2024)

FAQs

What credit union has the highest rating? ›

Here are some of the country's top credit unions:
  • Alliant Credit Union. Alliant offers an above-average interest rate for savings. ...
  • Consumers Credit Union. ...
  • Navy Federal Credit Union. ...
  • Connexus Credit Union. ...
  • First Tech Federal Credit Union.

What is the downside of banking with a credit union? ›

Credit unions tend to have fewer branches than traditional banks. A credit union may not be close to where you live or work, which could be a problem unless your credit union is part of a shared branch network and/or a large ATM network such as Allpoint or MoneyPass. May offer fewer products and services.

Is it better to get a loan from a bank or credit union? ›

Credit unions tend to have lower interest rates for loans and lower fees. Banks often have more branches and ATMs nationwide. Many credit unions have shared branches and surcharge-free ATMs provided through the CO-OP Shared Branch network.

Are credit unions still better than banks? ›

Lower fees: Because credit unions are not-for-profit, they typically charge lower fees than banks. Higher savings rates: On average, you'll find better interest rates at credit unions than banks, though some high-yield accounts at banks rank at the top of the industry.

What is the most reliable credit union? ›

Compare the Best Credit Unions
Financial InstitutionWhy We Picked It
Blue Federal Credit UnionBest Overall
Liberty Federal Credit UnionBest for Checking
Alliant Credit UnionBest for a Savings Account
Service Credit UnionBest for Military Individuals & Families
1 more row

Are credit unions safe during a banking crisis? ›

Credit unions are insured by the National Credit Union Administration (NCUA). Just like the FDIC insures up to $250,000 for individuals' accounts of a bank, the NCUA insures up to $250,000 for individuals' accounts of a credit union. Beyond that amount, the bank or credit union takes an uninsured risk.

Which is safer a regular bank or a credit union? ›

Credit unions are generally considered to be safer than banks during economic downturns due to their conservative approach to risk and their emphasis on financial robustness.

Are credit unions failing too? ›

National Credit Union Administration (NCUA) credit unions had five conservatorships/liquidations in 2023, and one so far in 2024. Similarly, there were five Federal Deposit Insurance Corp. (FDIC) bank failures in 2023 and one bank failure so far this year.

Which bank gives a loan easily? ›

HDFC Bank offers pre-approved loans to customers in 10 seconds flat*. Non – HDFC Bank customers can get loans in 4 hours.

What credit score do you need to get a loan at a credit union? ›

What credit score do you need to get a loan from a credit union? Generally, you'll want a credit score of at least 640 to qualify for a loan, but the credit score requirement will vary by lender.

How big of a loan can you get from a credit union? ›

Banks may offer higher loan amounts and longer repayment terms than credit unions, especially when you compare large national lenders with smaller regional credit unions. Many credit unions have maximum loan amounts of $50,000, while banks and online lenders may let you borrow up to $100,000 or more.

Can the government take your money from a credit union? ›

Through right of offset, the government allows banks and credit unions to access the savings of their account holders under certain circ*mstances. This is allowed when the consumer misses a debt payment owed to that same financial institution.

What is the best credit union to bank with? ›

Alliant Credit Union is fully digital and has the best APY across all accounts compared to other credit unions on our list. With a $100 minimum balance, Alliant's high-yield savings account earns 3.10% APY. Its share certificates also earn excellent rates as high as 5.20% on a 12-month jumbo certificate.

Should I keep my money in a bank or credit union? ›

Generally, credit unions are viewed as safer than banks, although deposits at both types of financial institutions are usually insured at the same dollar amounts. The FDIC insures deposits at most banks, and the NCUA insures deposits at most credit unions.

Is there a rating system for credit unions? ›

Examiners rate credit unions based on their assessment of the individual credit union, not peer averages, which do not necessarily reflect credit unions are operated in a safe and sound manner. The CAMELS ratings should reflect the condition of the credit union regardless of peer performance.

What is the number one credit union in Texas? ›

1. RBFCU. RBFCU is the largest credit union in Texas, manages over $18 billion in assets, and serves over 1.1 million members.

What is a good credit score for a credit union? ›

A good FICO Score falls between 670 and 739, while an exceptional score measures 800 and above. A good VantageScore ranges from 700 to 749, while an excellent score is 750 and above. The higher the number, the lower the perceived credit risk.

Is my money more safe in a credit union? ›

Just like banks, credit unions are federally insured; however, credit unions are not insured by the Federal Deposit Insurance Corporation (FDIC). Instead, the National Credit Union Administration (NCUA) is the federal insurer of credit unions, making them just as safe as traditional banks.

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