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CD 3-year Account from SMW 104 with 0.65% APY and $100,000 minimum deposit

Let me start by saying, this is a garbage institution. They do not carry cash at all. You have to go to another bank to withdraw the cash from your own account. What is the point of having an account here? Over the years I have seen how this bank Has not done their job, they never answer the phone even after they’re moved to Livermore, the staff there don’t follow through what they say they’re going to do they make constant mistakes on your account and your own money, they ignore the customers request and get it wrong because they don’t pay attention to what they’re doing there with your own money . What kind of bank doesn’t let their customers know that they’re own chip on their debit cards that they issued do not even work? What kind of bank doesn’t let customers know when they’re withholding funds for 15 to 20 days and don’t even bother letting you know that they’re doing that? what kind of bank does NOT pay attention to the actual account holder name to even legally hold funds on an order that is not even in the account holders name? Who does that? Incompetent staff there that don’t give a damn as long as it’s not their money but they’re quick to take your money and make money off of you having accounts in their bank to keep their jobs. We don’t trust them as far as we can throw them with any other accounts to open up there, as well as their financial advice to open up more accounts there which is ridiculous. I expect more from a crap bank and they’re way below that you’re better off putting your money in a mattress And having control of it and then having an account at this crap bank. I’m pretty sure they’re losing customers left and right there is no incentive for customers except for them making money off your money in their pockets. If I were you, I would take my money out of there and close your account here as soon as possible , because there are other credit unions that actually have cash in them that can give them to you in person and answer the phone and help you and are actually competent enough to do their job. This bank is on the lowest of the shit list.