Apple Federal Credit Union

Poor Service And FEES GLORE
- hardingpa - Tuesday, January 10, 2012 - 4:16 PM

Wish there was a rating selction for "0" stars.

Be ready for crazy fees on everything.  4-6 day holds on all deposits over $500 even if you have thousands above your deposit in your account.  If you have one deposit of 2 checks with a total over $500, you'll have a 4-6 day hold.   I’ve deposited these checks for over 5 years when this was a local FCU without a hold.  Now Apple puts a hold on the check because you walked into the branch.

Want to transfer funds to another bank?  Well there is a huge fee for that.  Receive electronic transfers from other banks; there is a hold on that.

Have more than one account (i.e., personal, business, joint, etc), you can only have one bill payee account per SSN#.  This makes it really difficult to address your business tax needs. 

So you want to talk to someone because something isn't right with your account?  Good Luck with that!  Call that local number, enter your account number, enter your pass code, listen to this huge menu selection, finally press "0" for operator, get music, then a ring, cool, your call has been transferred.  Then you discover it’s a recording asking for the very same info again, enter your account number again, enter your pass code again... it’s a joke, you’re in a loop never to reach a sole… until you call the 800#.  Now that you have that real "person" they are not authorized to help you because you are to stupid to have a checking account, "please bring your copy to our branch office" to discuss this".

This place is a mess

Terrible Customer Service - Don't Expect Any Competence
- idajade1124 - Sunday, January 22, 2012 - 2:48 PM

If I could give them a 0, I would.

Upon purchasing a used vehicle in Sept. 2010, we were instructed to use AFCU for our loan. We were approved without issue and offered a decent interest rate. The staff in office was super friendly and courteous.

It's been downhill from there.

We purchased a home awhile ago now and as a normal moving procedure went to transfer our cars registration. My car went extremely smooth with a bank we used to have in PA, my husbands car; however, has been a nightmare.

WV DMV asks you to fill out a paper with the lien holder's information and fax number for them to request title. I called AFCU and they instructed me to deposit $20.00 into our account we had opened to take out a loan. Easy enough. I set up the transfer with our local bank, which took a few days, but no biggie.

I waited a few weeks and decided to call my DMV since I had yet to hear they received the title. They had not. So I called AFCU and they proceeded to tell me it is held by a 3rd party and it would take 30 days. So I waited some more.

I let the 30 days pass and forgot to call until about a week after that. DMV still had received nothing. I called AFCU again and proceeded to get the first of many "runaround" calls.

I got a different answer every time I called, but according to the majority it should only be a few more weeks, the 3rd party company "must be" backed up. Okay, fine.

Can you see where this is going? Still no title received by the DMV. I call AFCU AGAIN and finally was able to get to someone who knew what they were talking about. They instructed me that the reason I had yet to receive it was because I had not deposited enough into the bank account..it needed to be $25.00 not $20.00 because there needs to be $5.00 in the account at all times to be in "good-standing". Well that's nice to know NOW!

So by this time we had switched to another bank, so I had to set up THAT account to transfer the $5.00. Which I did. They instructed me that it would STILL take 30 days. Fine.

Guess what? It's been almost 60 days if not more and I am STILL without title.

If any AFCU customer service sees this, please expect a ton of phone calls for the next week+ until the DMV has my title. I am tired of not driving my car because of your incompetence!! Get your **** together!!    

Refinance For People Who Care About Their Credit Rating
- jwpx03 - Tuesday, April 24, 2012 - 6:32 PM

I've given Apple Federal a lot of business. One of them was the mortgage for my present home. It currently has a 6% interest rate and I am current with my payments. Now like many people because of my neighbors losing their job or what ever reason I have a few foreclosures in my neighborhood that has driven my property value down and I'm underwater but because I was responsible I put down a large down payment from the sale of my previous home and I'm only underwater by about 20k or so. I care about my credit score and I care about my neighbors bottom line and don't want to hurt them so like a good boy I am current on my payments. Now, I am quite willing to pay 100% of the principle. I love my split-level. However, when I repeatedly ask Apple Federal if they are willing to work with me I get whiplash from how quick they smile and say no. No rate adjustment, no VA program, no streamline re-fi..... Nothing. I realize its a bank who on their Facebook page claim to be a non-profit (Year, you can file that next to unicorns.) But if you think they will help you in your time of need I'm here to tell you that you will find yourself under the bus. I even asked them if I go buy a new SUV and finance through them would they re-calculate my loan and still they smile and tell me where to go. Do yourself a favor and find another place to bank.

Nice People And Great Rates
- techmaniac - Wednesday, January 11, 2012 - 8:12 AM

I like the young lady that greets me each time I enter my branch, and the nice young man who handles my money.  They are professional and always ask about my children like a good neighbor. 

Beyond the personal service, I find that they have great rates on car loans (have 2 with them) and mortgages.  It does cost me $5 a month to have money transferred to my daughter, but other than that the checking account is FREE!  I'm not sure what the other reviewer is doing that gets so many fees.  The ATMS are FREE to use, they give cashiers checks for FREE and I can always talk to a counseler about how to manage my money.