I joined JDCU soon after moving to NH and there was a Branch in Lowell right down the street. We…read morehave Checking, Savings, IRA CDs, Mortgage, Equity and a Car Loan through them. Every interaction with them, whether in person or on the phone, has been handled with courteous professionalism. I worked at a Credit Union before and like the fact you are a Member and not a Customer. This means a lot! My only complaint is when my son recently applied for a car loan. He has a Checking & Saving acct with JDCU. He has a good job, great credit, and a decent down payment for the car. He applied online and was approved immediately. The process from here on out couldn't have been more awful. He contacted the Loan Dept and they told him what he needed to supply. He was never allowed to speak directly with the Loan Officer, all calls are routed to assistants and they act as go betweens. Everyone he dealt with was great, but this added to the amount of time to get even simple answers to questions. He would supply the requested paperwork and there would be a problem. That would get resolved and then something else would be needed. He spent almost 2 weeks going back and forth trying to line everything up and provide whatever they needed in order to get the loan so he could sign off on the loan and go pick up the car. It would have have been easier if they asked for everything they needed at one time instead of piecemeal. They were even trying to force him to get his own insurance policy even though he was listed as a driver on ours. The last couple of days was particularly taxing and I tried making phone calls to see what was going on and could never get a satisfactory answer. Finally, everything seemed to be in place when he received an email requesting info on the Lien Holder on the car. There was no lien holder. The Title he had provided showed their was no lien on it and they had that the entire time. It seemed like no one was looking at the paperwork. He decided to give up as it looked like he was going to lose the car and we were tired of trying to resolve an issue only to have another one crop up. We gave him a personal loan so he could buy the car and he abandoned the loan application. Was really disappointed in JDCU over the mess. :/

I was a loyal customer for 15 years, including direct deposit, mortgage, refinancing, etc. In 2025,…read morethey paid a monthly automatic charge I had set up twice, and admitted to it being their mistake. They refused to make it right, and told me it was up to me to go after the funds ($2700) myself. Unbelievable. AVOID THIS CREDIT UNION!

This review is about the branch services and branch management.DCU is a fantastic bank, however the…read morebranch management is abysmal. There is consistently a massive line of 10 plus people waiting for tellers at any given time, the tellers have zero urgency and move at a snails pace, other staff are wandering around private offices instead of jumping in to help the front line tellers. How about some cross training? Its like the world moves in slow motion here. As a biz owner its just not acceptable. DCU is an awesome bank as long as you never need to go into the branch.... Then its torture

I applied for an auto loan with DCU due to the great rates they advertised. I provided all…read morerequested documents and I am the most qualified candidate a bank could wish to have. They denied me stating they couldn't verify my address and my identity. They never once reached out to me to request further documentation. I ended up going with Logix bank who approved me in a heartbeat with my 850 credit score. Something is not right at this bank and I would strongly recommend staying away from it.

Needed a cashiers check or money order. Had cash. They don't do business with people who don't…read morehave an account.

I want to update my previous 2 star review. Sean answered immediately, and I called his direct…read moreline. He put me in touch with the new branch manager in Dracut followed up by an email to us both, to which the manager followed up with an email and phone call. She has been more than helpful since. BTW...I'm from Dracut, NOT San Francisco!

I had a great experience with Dylan Bussey yesterday. I had to transfer an IRA I am beneficiary of…read moreto an Inherited IRA. It took a while, but with Dylan's patience and perseverance it was accomplished. I highly recommend Dylan for anything you need as he will do his due diligence to make sure to get it done properly Mary Jo B

My experience with Align Credit Union is a cautionary tale for anyone considering opening an…read moreaccount with them. My husband and I opened an account with them approximately 10 years ago. The first reason was because it was very close to his place of business. Other reasons were because we wanted to have an emergency fund to fall back on and to possibly use it as a vacation fund for a trip to Australia. For the past 10 years my husband used it a few times, for miscellaneous purchases, nothing extravagant, so the money sat there earning VERY LITTLE dividends. All the while, as banks and credit unions do, they were using our money to lend to other people for cars, boats, sometimes probably life saving medical procedures or medications at VERY BIG interest rates. Keeping in mind that Credit Unions are owned by the members they're supposed to serve, our experience during the one time we intended to make a significant purchase, we were confident we'd have no problems with said purchase. We were very wrong. We hired a company to build a storage building in our back yard. We were quoted a price and and were instructed to obtain a permit and as soon as we had that, the job would be scheduled approximately 3 weeks later, and would take 1 day to build. There was no contract, only an order form describing what was ordered, which was sent to us through the mail. The project was supposed to be completed by the end of summer 2025. We applied for a permit and learned it couldn't be approved without site specific plans for our yard and building. We asked the builder to send those plans, and we were told it would be $300. Not an expected expense, but we paid it. Permitting received a PDF of every building the company built, which was not site specific to our project. When we asked for site specific, we were told it would be another $450. If we wanted it expedited, it would be another $250. The expedited time frame was 4 weeks, non expedited was 4 to 6 weeks. We chose to wait the 4 to 6 weeks, considering the difference was negligible. After 6 weeks, when we called to see if the plans were on their way. The representative said she told us it would be 6 to 8 week, not 4 to 6 we "thought" we heard, but of course if we paid the expedited fee, it would be sooner. She was lying of course, but bless her little thieving heart, we waited 2 more weeks for the 8 week time frame. At that time she told us it would be another 3 to 5 weeks, unless we wanted to pay the expedited fee. We had wondered if we were being scammed, but by November, when the promise was that it would be done by August, we knew for sure this company was nothing but a shill, getting every dollar they could before cutting ties with the purchaser. Now, I was fully aware that there are time limits to requesting help recovering money paid using Align credit or debit cards; however, I read the circumstances for extensions of time under the credit union rules, and I was reasonably sure that a building project, because of the time building takes, would qualify for an extension. I wrote to Align Credit Union explaining the circumstances, sending the request for an investigation directly to the President and CEO, Ms. Lydia Vazquez, with whom I was never allowed to speak, nor do I believe her minions ever told her about the letter, and minutes after receiving the request, a woman to whom I had not written, nor had I been introduced or told her authority within the bank, told me there wasn't a thing she could do to help us. Keep in mind, Credit Union Members are Owners. I know Align is not like Bank of America, with thousands of employees and banks across the country and at least some facade about being helpful, but Align Credit Union Headquarters are in Lowell for God's sake. Yet they couldn't even give me a legitimate reason for not offering the most miniscule bit of help to a member/owner. As far as I'm concerned, they are absolutely no better than the company who scammed us, nor are they better than any other scammer across this country. One last bit of icing on their scam cake, when my husband went in to close out our account, they said they couldn't give him all of it because they didn't have enough. He could only have $7,500. He said he be back next week for the rest. No, again. He'd have to tell them how much he wanted and when he'd be in. He told them he wanted $10,000 and when he'd be in. He had to go in 4 unnecessary times to close 1 checking and 1 savings account. Can a Credit Union with so little money be trusted? And I believe Member/Owners who still trust this farce should consider demanding a full audit with guaranteed accurate results distributed to ALL Member/Owners. And in case I haven't been clear, do not expect meaningful help from ANY of these employees. You will neither be viewed as Members, Owners, or even as customers deserving of courtesy or service.

Bank not loyal to long-term customers. Started an account at 17 was with this Branch for over a…read moredecade so it shocked me when they asked me to get my mother's permission to access the account. This account was in my name and my mother's name I've been using for over a decade without my mother's permission. But after all this they let an unknown person withdraw money from my savings to pay a Cable/telephone bill online. I asked how's this possible it's a savings not a checking's they say I don't know. Staff is conceited! and arrogant when a problem occurs dealing with customers. Enterprise Bank, Gorham St, Lowell, MA 01852

Just went in to open an account. First off, the bank was empty. I should have known right then to…read morewalk out. I go in to open a checking account with my lease, my ID (which was valid) my social security card and other forms of ID. They tell me I can't open an account because the address on my ID was different from my lease address (which is still valid). I didn't know Lowell Five was working for the RMV lol. Very rude, very unprofessional. DCU opened an account NO PROBLEM. I certainly won't ever do business with this bank.

Stay away! My parents were customers for over 60 years. Trying to get anything from them is like…read morepulling teeth! they are NOT customer friendly at all! My parents are 98 and 96, not very mobile and live literally .1/4 mile from the bank. While getting their finances in order, they were NOT accommodating to their needs whatsoever! For example...My mother totally forgot that she had an IRA with them. I went in person and they would not give me any information, which I somewhat understand; however, I am listed on their checking and savings account. I went back to my parents place and had my mom call the bank [their suggestion] with her credentials so that they could provide the account number for her IRA. They talked to my mom on the phone and got her credentials and then told her that she would have to come in person to get a print out of her account number. They would not release the account number over the phone. Are you kidding me? They were well aware of how immobile she is and still would NOT accommodate. Needless to say, due to their poor customer service, the IRA, and their 3 CD's will be rolled over to Fidelity! STAY AWAY!!!!

I experienced a traumatic event that went on for wks A teller was giving my checks , clearly my…read morename on them to other clients to pay their bills . My money kept getting drained & it was Christmas time last yr & now she's a manager with again all new faces wtf how is she still there I'm out

They passed out my checks to ppl to use My name being right on the checks Ordered me some to my…read morehouse Didn't ask or use them . I would deposit my checks & money would me gone. Brought it to their attention & within a wk money was returned

This is simply the worst managed Bank of America branch…read more I deposit large checks regularly and this is the only branch that doesn't allow me to do it in person, because the manager, "Jose" is an incompetent buffoon. It's literally the case that a transaction that I have made hundreds of times at different branches, I can not make here. I have avoided this branch precisely for that reason; I went in today because it was the closest branch open and it was a big mistake. Jose was there to impose his poor interpretation of the bank policies to inconvenience the customers. No wonder this branch has consistently the longest lines. Just stay way from this clown show.

Instead of calling the customer support and pushing buttons and never speaking to a human I went…read moreinto the actual bank today to ask a few questions on setting up my new business account. The woman was hesitant to let me in her office because she was so busy and I didn't make an appointment but she reluctantly said ok. She said she knew the answer to my question but wanted the person who runs the business center to explain it to me so she got on the phone and called just like I would have, pushing a million buttons to finally get a human. She kept telling me she knew the answer but wanted them to explain it to me? Does that make sense at all to anyone? She could have just said she didn't know the answer and I would have been ok but I had to sit there and listen to her go through the hoops to get someone on the phone. A real woman giving me a line of BS was more aggravating then the bot I would have spoken to if I called. Customer service at BOA is a joke.

The branch in Tewksbury is not very good. One of the tellers is extremely rude. The hours are…read morehorrible, no late hour. Closes at 4 pm daily. I would not recommend this bank.

This bank pretty much saved my life. I got a random phone call from Joe, one of the bankers here…read morewho asked me to come in to see if there were any financial improvements they could help me with. Up until that point I had tons of debt from various credit card companies. It was tough to pay them all foen due to the high interest rates. Joe was able to do a balance transfer, consolidate my debt to a new line of credit that was interest free for like a year and a half. Solved everything and I'm debt free due to a random phone call. Thanks citizens. Aside from this, all the tellers are extremely polite and pretty cute too. They always make a point to welcome the customer with a smile. Even when there are long lines they periodically say "thanks for your patience!" Which makes me a little less irritated that I'm stuck standing in line at the bank. Nothing but good things to say about this place!

I love this bank! The staff is very friendly and knowledgeable and really make me feel like they…read morehave my interests at the front, unlike big banks where you are just a number. Rates and fees are very competitive.

One of the smartest things I did, when I moved to Tewksbury 30 years ago, was to change banks. I…read morehad Citizens Bank and every time I went there, it felt like I was putting them out. I became a member of the TFCU and have never regretted it for one minute. The staff is always cheerful and happy to help you for whatever you need. I want to thank Maureen Montecalvo and her staff, for ALWAYS going above and beyond.