Customer ReviewsforMidcoast Federal Credit Union

They treat you very poorly for actions of fraud that were not your fault. There is obvious fraud on my account and has been in the past. Not this time however. They refuse to work with me nor give me a new debit card. My advice, find a new bank!!

Thank you, ********, for expressing your concerns and sharing your feedback with us. Midcoast Federal Credit Union is dedicated to providing our members the best member service which includes properly assisting those with fraud related concerns or occurrences. Your fraud concerns have been addressed by Midcoast at this time and a new debit card has been issued. Your concerns of being treated fairly in consideration of the fraud and debit card reissuance has been thoroughly reviewed and discussed with you as well. We apologize for any inconvenience our current process *** have caused. Please reach out to a Credit Union representative should you have any additional questions or concerns. 

Terrible experience with ************************* buying our home. We wanted to keep our money in ***** with a Credit Union and I cant express enough how much we regret this decision. There was horrible communication, lack of ownership, and when speaking with her she was condescending and patronizing. We feel very disrespected and unvalued as customers and this experience has completed soured our view of this institution. I was consistently and deliberately left out of communications and only my spouse was on emails, we were constantly pressured with urgent/emergent issues that needed to be done last minute - including an insurance issue which she called in a favor for with another insurance company resulting us in paying over 4x what the prior homeowner was paying (so much that the title office commented on it!!).In addition, the last time our closing was delayed my spouse received an email at 4:45 pm the day prior to closing (!), I was left off the communication and neither me or my spouse received the decency of a phone call.When I called (the next morning) and discussed this with her, we were offered no apology until I expressed repeatedly how disappointed and frustrated we were with the whole process. (As contrast, the title office and our lawyers office both contacted us on their own volition expressing concern and making sure that everything was ok). It was very difficult to get specifics about the cause for delays, although interestingly it was always expressed it was never the banks (or Katies) fault - the buck always stopped somewhere else. We were even told it was our fault for delays for not going through a realtor when this was a private sale and there was no need for a realtor.She had also told us there was no reason to bring a check to closing as our account would be debited, however the phone call we received from the title office the day of closing confirmed that information was also incorrect. She is not new to this position either - as she made it very clear to my spouse that she "knows what she's doing" and has been doing this for seven years - so why is it such an issue if buyers don't have a realtor? One would think a near decade of experience would be enough to help navigate this situation.

We always want to provide excellent service and find it very unfortunate that our members feel they did not receive great service. After we received this review, we contacted our members so that we could better understand their concerns regarding their experience with ***** in obtaining a mortgage loan with Midcoast FCU, and further research this issue. We determined that some of the issues that arose were because some information was unintentionally omitted on the mortgage application for the real estate being financed. Once this was discovered, there was additional work that needed to be completed resulting in some last-minute changes. We now recognize some of these issues and changes could have been better communicated with our members. All communications were intended to go to both members, but it was discovered that there were some communications that inadvertently omitted one of the members. We always strive for service excellence but recognize in this situation that our communications through the process could have been better, and as a result, we have made some internal changes to address these concerns. While the mortgage process did not go as smoothly as we intended, it is our understanding that the members are happy, overall, with their relationship with Midcoast FCU.