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Smart Financial Credit Union

Engaged employer

Awful company at retail level - Anonymous employee Smart Financial Credit Union Employee Review

1.0
5 Feb 2020
Anonymous employee
Recommend
CEO approval
Business outlook

Pros

PTO and Smart Financial Center

Cons

There is quite a long list of cons that I could put here, but the main things that you hear across the board from current and former employees is for one- the pay is low The workload is intense given the low pay that SFCU offers employees, the branches are usually quite busy and very understaffed and unequipped to handle the foot traffic the credit union deals with daily The clientele themselves that come in are by and large very demanding and can be rude without warning. And the company culture is toxic. It’s very very cliquey, maybe that isn’t as much of the case at the corporate office, but it is at the branch level. Many of the co workers I deal with every day are lazy, but if you say anything to management about it, it inevitably comes back on you, and you are essentially blacklisted, at least in the eyes of your colleagues. Because of the combination of the subpar office culture, the stressful workload, and the members themselves, I often come into work stressed before the doors even open. And on a personal note, I wouldn’t recommend this job to anyone, I leave every day physically exhausted from the amount of running back and forth that the position requires, but moreover I leave mentally exhausted each day as well. Knowing that I can’t rely on my coworkers for much, and knowing that the members who come in each day are demanding beyond belief, it’s a double whammy that makes me dread coming into work. I’ve seen people literally walk off the teller line and start sobbing after a member who was dissatisfied laid into them, or just by virtue of the workload they were facing with little to no regard for assistance from management or even those at their same level.

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Smart Financial Credit Union Response
6y
Current Employee - I'm very sorry to hear about your extensive concerns with our organization and encourage you to bring these concerns forward to any member of leadership. We understand we can't be the employer of choice for everyone but do take all our employees concerns seriously and work hard to provide an environment that allows our employees to do what they do best. I would like to address your concerns at a high level. Smart Financial compensation structure is competitive in our market and our employees are compensated based on their current role, experience, and performance. I won't deny we set high expectations for our employees and that is because we believe we employ the best candidates who can handle such a workload. Working in the financial industry can be difficult at times and part of that is dealing with upset members. Any time you work in a field that handles something that is so personal to someone, such as their finances, there is a good chance you will encounter such behaviors. Our goal is to build relationships with every member who comes into our branches, so they understand we are here to help and make their experience difficult. With that being said, we will not tolerate inappropriate behaviors from our members or our employees. It is unfortunate you don't have trust in your management team and/or your peers. We consistently offer all employees the opportunity to bring any concerns they have to upper management; however, it doesn't appear you have done so. It's not too late, any member of management would be happy to listen to your concerns. Lastly, we don't want any of our employees to work in an environment where stress rises to the level of being unhealthy or causes our employees to become disengaged. We want our employees to work at Smart Financial because they chose to and not because they have to. If you believe Smart Financial is the right choice for you, I encourage you to reach out to HR or to a member of management as this is not a representation of Smart Financial or our values.

Explore other reviews about Smart Financial Credit Union

5.0
22 Jan 2026
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Pros

Gret benefits and great employees

Cons

It takes time to get promoted

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Smart Financial Credit Union Response
5mo
Thank you for taking a moment to share feedback on your employment experience Smart Financial Credit Union!
4.0
11 Nov 2025
Recommend
CEO approval
Business outlook

Pros

Great people and benefits, competitive pay.

Cons

Difficult to enter upper management

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Smart Financial Credit Union Response
7mo
Thank you for the time spent at Smart Financial supporting our member's lending needs. We appreciate your dedication and the honest feedback. Best wishes in your future career endeavors!
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