Refinance For People Who Care About Their Credit Rating

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.