Apple Federal Credit Union

Marco Alcazar is very inprofessional. He made me waste my time. I applied and submitted everything he asked for; in the end, he said I was disqualified, which is not true. I am very disappointed and I do not recommend it. Go to another bank. Everything is easier, more professional, and better than at Apple Credit Union, because of the very bad agent they have, like Marco Alcazar.

We were drawn to Apple FCU by the reasonable rates, simplicity of the application process, and what looked like straightforward offering and terms around their heloc product with the intention of using it for a home renovation project. Unfortunately I have been minimally satisfied with the product and with AppleFCU.

1. It's not abundantly clear at the outset, but you need to apply to join the credit union before you can get a heloc. That's not unusual for a credit union and it wasn't hard to just open a simple savings account, but that wasn't specified at the outset and one more hurdle in their process.

2. The application process was anything but straightforward. Once it went to underwriting the quality of service dropped dramatically with slipshod and piecemeal communication and difficult to manage systems for viewing and updating documentation with them. It was impossible to follow where information should be uploaded and it seemed to go into a black hole, with no way to know what was already there.

3. After being approved, I received no fewer 5 calls about "an important issue with my mortgage" which was just someone at FCU trying to sell me mortgage insurance. The tone of the messages and voicemails made it seem like there was a legitimate problem when in fact it was just a sales call. This dark pattern alone is enough to make me not use them again for any new product. At every interaction I told them I wasn't interested in it, that I wouldn't be opting in, and to mark that in their system. Months later the calls still come in occasionally.

4. Now that I'm actually trying to use the heloc, I've learned I can't move more than $10,000 per day, and $25,000 per week which makes it almost useless for any large project. I intend to call to order checks, but it's not clear if that's even possible. There is no way to do this from the mobile app or website.

Unfortunately we're in the midst of our project and need to use it to pay those expenses. I've let my contractor know that I'll need some lead time to make sure I can get the money out of the heloc in order to pay him in a timely fashion, but after the project is done and the loan is paid off we'll be closing all accounts with Apple FCU.

Don't go to them, period. They are the worst. You call them and they don't even handle anything correctly. It's a waste of time for nothing. Car loan has been 7 years and they keep updating the balance on the credit report when it was a profit loss.

I paid $904.53 in late fees for a car loan over five years, plus they secretly added a $20-a-month fee for some added-value service (I don't know what it was for to this day). I didn't realize I was getting charged a late fee, and I would have ensured it wasn't a day late if I had known. I've been late on payments throughout the years because I work in tech, and there have been mass layoffs over the past couple of years that affected me. The woman who calls me regularly seems to almost enjoy leaving me unpleasant messages and emails. My car has been close to repossession a few times, and she didn't even mention that they have a solution for 3 months of non-payment.

I will call the local news (I have a contact) to turn this into a story. It directly contradicts their brand message of "loving their customer neighbors.

Do not use them for business accounts. They're about a decade behind most banks, and the conservative policies that change depending on the person will eventually harm your business, especially if you receive deposits via check. It doesn't matter if you've been there one month or a year with no issues. Your deposit might be held for weeks, or it might be held a day and released upon request.

Apple FCU is getting 5 stars from me just for their amazing employee, Carla Darcia. I was having issues with my credit card being declined and was shuffled from Visa, to Apple, to Visa, and back to Apple. Thankfully, on my fourth phone call, I was connected to Carla. Wow! She quickly figured out the issue (it was not fraud) and fixed the problem. Her personality is amazing as well. It was so comforting to talk with someone who is cheerful and enjoys helping people, not to mention smart and savvy. Thank goodness for the Carlas of the world; there are not enough of them!

Apple credit union is not a place to go if you want to grow your financial goals because they’re not able to solve any issues that you would have with your card. Someone used my credit to buy stuffs, I reported and they have been ignoring me since. They even charged me late fees that are not justified. I’m so done with them.

Excellent place for business , friendly and caring. Would recommend them to anyone. I have loved my experience with this loan company

Apple FCU will ignore you and give you bogus answers. When you request to talk to a supervisor they tell you they can’t and they will call you back. They don’t call back. Don’t ever use your back card to pay for a hotel stay. If you don’t receive the services that you paid for, they will do nothing! We are going on 5 months of no answers or help!

Convenient card from Credit Union, with very good fraud monitoring. I like the customer service, but this card fails in that it suffers from a lacks of rewards or benefits.

Fraud Protection is a joke. Basically there is none. Two transaction of $300+ each for purchases that are well outside my normal spending habits that overdrew my account were processed. No contact, no questions, just kick in overdraft and pay them. One transaction still pending, but they can't cancel it. It has to go through normal fraudulent transaction procedures.

When I spoke to Customer Service she was "surprised" the fraud department didn't get ahold of me.

I live on a fixed income - thanks for making it hard to live this month.

The customer service at The Apple FCU is next level! The Broadlands (Ashburn VA) staff recently helped by daughter sort our some challenges she was having with her checking account. They were patient and effective in addressing her situation. They stayed with her until she could confirm her account worked, even though it was closing time. In a time when customer service at most banks is lacking, they really care about all of their customers.

I don't even know where to start. SLOOOOOW with everything. Being told during a LOCKDOWN that I would have to "come into a branch" - are you kidding me?? - in order to "resolve" something. Being called by a VP w/profuse apologies. Do Not Recommend