I Have Been A Member For Over 6 Years And Have All My Loans And Deposits With Apple!

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.