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Charlotte N.
Many people feel that banking is daunting and stressful. At Canopy we feel that whether you are financially stable or struggling, your banking experience should be easy and accessible. We find that when you empower people to really understand their money and what it can do for them, they are happier and more confident. When they feel that way, it affects not only those close to them but our entire community. Canopy Credit Union is a place for anyone who wants to grow their financial possibilities. Whether you're planning for retirement, navigating your first loan, or have just outgrown your piggy bank, we take your success personally.
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- Ron H.San Francisco, CA03Dec 29, 2023
I used to like this credit union back in the spokane federal days, but now I have noticed lots of the good employees have left , I was gonna be late with my Visa payment called 3 times to let them know , everytime they switched me over to that department was always a recorder what a joke , so I quit calling then my retirement check came in and the automatic took the payment this has happened twice, the last time I was a day late , the fact is now I have to check my account all the time to see if they are taking my money I complained about this before they did nothing , they didnt even let me know what they did, this shit happened again and I think irs time to sue canopy, also fit your piece os shit atms they suck
Helpful 0Thanks 0Love this 0Oh no 0 - Keric G.Portland, OR12351Jun 14, 2023
To Kim:
I don't know if you have had to work with a credit union when times get rough... but.
Kim is literally a gem.. no a diamond.
I was able to pay what I could and called her the second I could get my account up to date and she was a literal shining star and had her heart there.
Never lose this gal. Because she not only helped me in a time of need. But also gave me the lovely advice to move on and keep strong.
Never change Kim. Thank you so much.
1000% love this place because of Kim.Helpful 0Thanks 0Love this 0Oh no 0Business owner information
Charlotte N.
Jun 14, 2023
Thank you for your great feedback, Keric! Kim is awesome at helping our members no matter what they are going through, and takes the extra step to provide information for our members. Thank you for being a Canopy member and we look forward to continue serving you!
- Myc J.San Francisco, CA01Sep 11, 2023Updated review
Canopy Credit Union is the worst customer service. Dealing with them and not able to help answer some discrepancies on my account. This year I'm closing this account.
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Charlotte N.
Mar 7, 2023
Myc, thank you for taking the time to share your feedback. We don’t like hearing that we’ve disappointed you as that is never our intent. We did want to let you know that you can avoid future overdraft fees by asking us to turn off your Courtesy Pay service on your account. This way, if you make a purchase but don’t have the funds in your account, the purchase will be declined and you won’t incur the overdraft fee. Please reach out to us if that sounds like a good solution for you going forward, we're happy to help!
Mar 7, 2023Previous reviewNormally Canopy Credit union works with me on banking needs. I noticed I had multiple overdraft fees which in the past they had worked with me on these rare occasions but my experiences with their customer service has been poor. It making me rethink my banking options with them and look else where that do not charge high overdraft fees or no overdraft fees.
Sorry Canopy you are losing a member. - Jennifer M.Seattle, WA01Dec 1, 2023
I used to be a huge fan of this credit union but . . Strap in. So I joined in June or July of this year and was given basically given everything I asked for and more. I shared my entire very personal story and was promised the moon and stars. They even asked me to be in their commercial. . Some of you may have seen me beaming and being so proud to be a member. But about two weeks after filming the commercial I was repeatedly denied access to my funds every payday. I'd get my direct deposit and pay my bills and after about the 3rd one my card wouldn't work. This continued every 15 days until currently. They're closed 4 days at a time with no way to ask someone hey why is my card not working. Youre just dead in the water. When you do finally get an explanation it's completely bullshit as evidenced by my ability to send money on PayPal after my card had supposedly been shut off for "fraud" or "too many transactions". They cherry pick what transactions they approve or not and will legitimately shut your card off on a holiday with no explanation. Ashley Dial from the francis branch was the person who initially helped me and then continued to lie to me for months. Also, after sending several panicked emails and voice-mails to her before realizing they'd be closed for 3 more days, she has yet to try to resolve any of my issues or even apologize. STEER CLEAR OF THIS CREDIT UNION. Not only will they lie to suit their needs, they'll blame you for their lack of ability to be a functioning credit union. At this point I'm pretty sure they're preying on people with crappy credit situations and then gaslighting them after building them up. I left this review 3 days ago on google and nobody has even said im sorry. WILD!! Its back to BECU for me!!
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Charlotte N.
Dec 4, 2023
Hello Jen, we are sorry that you have had this experience with us. At Canopy the safety of our members’ financial account is our top priority, and this is why we have built in preventative members to protect everyone who has an account with us. Unfortunately there can be rare times when those protection measures are triggered from legitimate purchases, but we know it’s always best to err on the side of caution and be safe rather than sorry. Additionally, our cards have a limit of 25 swipes per today (a common limit across financial institutions) as a way to prevent fraud. We always want to do everything we can to help our members thrive financially. It saddens us to hear that your positive experience has become so frustrating for you. We welcome the opportunity to talk about this further and see if there is anything we can do to help the situation. If you'd like to talk more about this please give us a call at 509.323.1303.
- Anne F.Airway Heights, WA195Jun 2, 2022
Great for getting a loan. But they charge you to make your payments Either if you walk in or online and by telephone.Its sad
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Charlotte N.
Jun 3, 2022
Hi Anne! There are some instances where a fee is charged for payments (such as when paying with a credit or debit card over the phone), but there are also lots of free ways to make your payments. Please feel free to reach out to our customer contact center for more information! We'd love to help you sort this out!
- Mike C.SoMa, San Francisco, CA02Aug 5, 2021
My credit score dropped 3 points from the credit check they did when I opened my account. The mobile deposit is not enough to deposit my paycheck, so it's pointless for me and many others. They refuse to participate in any of the digital wallets such as Google pay or Apple pay.
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Charlotte N.
Aug 5, 2021
Hi Mike, thank you for taking the time to provide us feedback. We apologize your experience with us has left you feeling this way! We'd like to address a few things noted in your review. We currently pull credit with membership applications for identity verification purposes. While our base mobile deposit limit is $2,000, if you give us a call we can look into increasing that limit for you! In regards to digital wallets, we realize this is something members want and are actively discussing this as a possibility to our members.
We hope our explanations shed some light on the situation and if you'd like to discuss these matters further, we'd be happy to have a phone conversation with you! You can reach out to our Marketing Director, Jon, at 509.323.1317. - Michelle W.Martinsburg, WV66205Jul 27, 2019
I dealt with Sara L. She was awesome. She had my back the entire time and got me financed when I have less than perfect credit. I even got a decent rate! I can't wait to do more business with them! Will be back!
Helpful 1Thanks 0Love this 0Oh no 0 - Danielle G.Spokane, WA1593Aug 3, 2020
I used this credit union for the past 5 years or so, and I'm so happy now that I've I switched to another bank. Extremely cold, rude, and unempathetic to their customers banking needs. I can't recall how many times I'd have to call to get whatever issue was happening that day sorted out. And the topper was trying to close my account. I'd talked to three different employees to close my account, each telling me it was done. Then, each time getting a call back saying they "needed more info" to close the account. And when you'd call back, you have to leave a voicemail and they may or may not return it after a few days! I was expecting a check for the remaining balance for almost $900, they say they sent one but I still haven't received it. So I had to call (again, lolol) and the lady said she'd re send it, immediately. A few days later, I received a check for only $150! So I called. Again. I explained that this was becoming a very irritating process and that I just wanted the money owed to me, sent to me. This time I was talking to Peggy, who just simply blamed the post office and told me I had to wait 90 days for the check to be re sent out, which was definitely not what I was told from the previous phone call with a different employee. Peggy was extremely rude and sarcastic toward me. She didn't have my side at all nor was she planning to help me with what I needed. Even after everything I'd been through this far, it's like they didn't care since I wasn't a customer anymore. You can do better, Canopy!! I never leave 1 star reviews, but I can honestly say I've never had a good experience here.
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Charlotte N.
Aug 3, 2020
Hi Danielle, we're so sorry your experience left you feeling this way. Our goal is to provide an enjoyable and welcoming experience for members and it seems we've missed the mark with you. For that we are very sorry.
While we can't control the speed and delivery of USPS, we can control how we provide information to our members and how we handle situations when there are bumps in the road. We're so sorry we didn't handle your situation with more care.
We'd like to resolve this with you and make sure you feel confident and clear moving forward. We realize you've already made quite a few phone calls to us recently, but we'd love to make this right for you and believe we can do this over the phone. Please call 509.328.2900 and ask for Alina or Jon.
Again, we are so sorry to have caused you frustration. We are here to listen and learn. - Linda V.San Ysidro, San Diego, CA02Dec 19, 2019
I have been with Canopy Credit Union for over 20 years. I've moved away and now live in Mexico but Canopy Is still my bank, and will be until I die. For good reason. In all the 20+ years I've been with them, I have never had a complaint against them. Great service, really friendly, always still smiling (you can hear that over the phone) when I screw up and need help. They will literally bend over backwards to help you. Today I got a phone call because of an odd charge on my account. I was asked whether the charge was legitimate. Does any other bank do that? I have lost quite a few debit cards over the years. Go to the Credit Union and they make you a new one. That's the kind of great service Canopy gives. I didn't have to wait 10 days like my friend did with her bank. I absolutely love this credit union and highly recommend it.
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Charlotte N.
Dec 19, 2019
Wow, Linda thank you so much for your kind review! We appreciate your words tremendously. Here's to many more amazing years!
- Catman H.Spokane, WA04Apr 14, 2020
I might change this but so far applying for a loan has been a disaster. We are currently in the coronavirus situation and it turns out all the people are working from home. I was working with a loan officer who attained all my personal data, including SSN. I would never have done this if I knew they were working from home. The loan officer suddenly quick emailing me after I asked for clarification on the numbers he was giving me. When I called the office a woman who sounded like she was 13 answered without any kind of knowledge on phone etiquette. I asked for a supervisor and she finally transferred me to a voicemail that rang and rang. Nobody answered and no voicemail. I waited. After about 30 rings it stopped. I called them back and got "Elvira" and I told her that the previous receptionist sounded like a 13 yr old and was she just answering phones for mom? She said she would get me to a new Loan officer. Just got a voicemail. Left message. Never heard anything. I'm going to contact the state commissioner on this. Horrible experience.
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Charlotte N.
Apr 14, 2020
We are so sorry this is the impression your most recent experience with us gave you. We want to take the time to address a few concerns you mentioned.
We take member security just as seriously at home as we would at the office.
In order to comply with Governor Jay Inslee's Stay at Home mandate, we needed to find solutions to continue securely meeting members' financial needs while maintaining the safety of our team. Some team members are working from home and some remain working at our office locations at a safe distance.
We acknowledge your frustration with our phone system and want to assure you we are actively researching a more robust system that will be able to better serve members during circumstances like these. We are experiencing a higher level of phone calls than we've ever received which has put pressure on our current phone system. We appreciate your feedback on this matter and will continue to actively find a solution.
If you'd like to continue this conversation and learn more about our security practices, please email us at inquire@canopycu.com.
Wishing you health, wellness, and safety.