Friday, January 18, 2013 - 9:50 AM
I Have Been A Member For Over 6 Years And Have All My Loans And Deposits With Apple!Apple Federal Credit Union
I became a member of Apple 6 years ago when I switched from the credit union I had in college because they were too far away and too small. I got my first car loan with a credit union after a really bad experience with the dealership and locals banks, so I wanted to do business with another credit union when I switched. I was so happy to find Apple!
I have had my direct deposit into a special FREE checking account there for years, and I get free bill pay and checks. I also get a modest interest rate back for my balance, which I think is 0.4% right now, but better than I can get anywhere else that I've found. I read the reviews about the check holds, and I have had that experience in the past, but when I talked to a manager, she released the hold because of my history with Apple. I think the holds are standard for all banks and credit unions, but if you talk to the right person you can usually get it waived.
I recently refinanced my car for 72 months for 2.74%! This ended up saving me almost $50 a month, and they let me go 3 months until my first payment, which was right at Christmas.
I also have a mortgage with Apple. The only thing I don't have is their credit card. They have asked me to get their card a few times (when I refinanced my car and when I got a line of credit for my account), but I'm happy with my Bank of America rewards. They told me they would have the same rewards soon, so I might check it out.
Overall, I've been very happy and would recommend. I already recommended to my dad, my sister, and my uncle, who all have accounts now.
1. Saturday, January 19, 2013 - 9:52 AM
One caveat here.
Apple is one of the few CUs to charge their customers if they use a SHARED BRANCH. $3 per transaction.
There may be others out there like this, but its the ONLY one I have seen that charges.
16 posts since
Oct 30, 2011
Rep Points: 43