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    Mass Commonwealth of Moses Federal Credit Union

    Mass Commonwealth of Moses Federal Credit Union

    (1 review)

    My husband and I have worked hard in state service and non-profit work for decades, never asking…read morefor any kind of help from the credit union affiliated with our employers. In recent years my husband needed two surgeries which has left us in financial ruin (taken all of our savings) but we have been recovering financially for over a year, proven by our payment history. Bills consolidated, and a good credit history prior to these surgeries, we applied for a loan with this credit union. Here's what happened: I was asked to fax in a statement to their board to be considered. I worked for over an hour on this statement, going the extra mile in an attempt to demonstrate our credibility. I didn't hear back for three weeks. Finally I called and left a message yesterday morning, only to hear back this afternoon that we were denied. No letter, and no real explanation, except that our credit history was poor recently (due to medical bills now consolidated), but in recovery which I shared openly at the beginning. Had I not called I suspect I likely would not have heard back at all. All of our bills are paid, and our credit history was excellent prior to my husband's surgeries demonstrated on both our credit reports and in accounting with our creditors; we have 16 positive accounts listed on our credit history at each of the three bureaus. Our ability to pay the loan back was demonstrated, and a direct debit from our account was expected. They simply do not care and are likely unwilling to loan to anyone who does not demonstrate their wealth...and therefore does not need a loan to begin with. I would not recommend this credit union to anyone; they will not get back to you if you apply for weeks, and then they offer no real explanation and no documentation of a denial. If they were being fair, and if we did not have a solid credit history prior to my husband's surgeries, our payments were not up-to-date now, and we could not electronically debit payments, I would understand. But this is not the case. Their recommendation: "Go and apply at some bigger banks that have money...we are a small credit union." With nearly $2 million in assets I'd say they aren't that small. It's sad. And this credit union is affiliated with my employer. I caution anyone who is considering applying for a loan with the credit union to not do it; they have no problem assaulting your dignity and providing nothing in return. Thankfully, our dignity is intact and we will find another lender, but are truly disappointed it wasn't this one. I have been trying to finish college and am in the last six months of my program; this loan was for college expenses not covered by financial aid.

    Citizens Bank - banks - Updated May 2026

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