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    Third Federal Savings & Loan

    Third Federal Savings & Loan

    (4 reviews)

    I have a HELOC with 3rd Fed. Overall, the approval process and rates offered were good. There is an…read moreannual fee added to your loan. Also, their online website is truly useless. I can't order additional checks (request takes 10 days) and there are fees for wire transfers, etc. I couldn't get copies of loan documents online either. Really bad website but representatives were very nice.

    If 1985 was your ideal year for banking, 3rd Federal is perfect for you. However, if you're used…read moreto a modern banking experience you're going to be extremely disappointed. I was deployed overseas when my mother unexpectedly passed away. She had a checking account and a CD with 3rd Federal; the checking had my sister on the account and I was apparently on the CD. Florida has archaic laws regarding probate, which requires us to wait months before we can sell her house, meanwhile we have to continue to pay electricity, water and her HOA. Trying to cash out this CD was the most painful experience ever. My husband several states over has a general POA; when I first called this bank they said I just needed to send a letter of intent and they would send me a check. Then it turned into my husband had to send the ORIGINAL POA, sign a bunch of forms, wait for them to get them, send more forms, have me send forms from the Middle East...it was like 10 forms they wanted. Luckily my sister called, convinced them to just take a photocopy, and I sent them a picture of my driver's license and a letter saying my husband had my permission to cash out the CD. Um, do they not know what a POA is for? This took over a month just to get to this point. They said they were not set up to do a bank wire transfer (who doesn't offer electronic bill pay?!) and so sent us a check. They sent an over $5k check with no tracking number. It took about 10 days to get it. Thankfully I live nowhere near this bank and use a bank that offers modern amenities. I have no idea what my parents were thinking using this one.

    Citibank - banks - Updated May 2026

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