APGFCU - APG Branch - Aberdeen Proving Ground, Maryland

Jon

Stay away! I rarely ever do reviews, especially poor reviews; however, my experience has compelled me to do so. I had a previous auto loan through APGFCU and the payment method was by check Several years later, when it was time to purchase a new vehicle I was hesitant to utilize the same credit union because I wanted to pay the bill online. The dealer advised that APFCU had created online pay. So I went with it given the rate/terms were good.

The app is very poorly designed. I am not a tech guru but not tech illiterate and could not figure out how to pay my car payment. So for the first several payments, I simply called their member services and made payments by phone. No problem, until I could make it to a branch to get the app sorted out. However, come early June 2024, I called the same number but no one was available to answer. I continued to call throughout the month and no answer. I left numerous messages and no call back. A week or two later I called another number and was referred back to member services where no one answered.

This continued for approximately one month. I then received a call from a representative not asking but demanding I call her back at nearly 6PM on a Friday. I called back less than 10 minutes later and of course the office was closed. The next morning, a hit on my credit report for being late.

I have 20 years of credit history with no problems. Numerous vehicles, homes, student loans, etc. I now plan to either to just pay the auto loan in full to prevent further interaction or just refinance with another bank if it makes sense.

If you look around the internet you will find many similar reviews or problems. Utilizing a big bank like Chase will be much more convenient. APGFCU is antiquated and relies on the old credit union reputation of being customer service oriented. The reality is their customer service is poor and they rely on their old reputation to capitalize on the older generations.

I’m in my 30’s with a large social network in the Baltimore and Harford County area due to my career. I certainly will not be recommending to anyone. I take my credit seriously and will not do business with a bank that I have to beg to take my money.

D

This is a horrible credit union. The website, app, and customer service all suck. Avoid them at all costs.

Update: They actually respond to this quickly, that’s amazing. It was quicker than getting one of their own rude employees on the phone after you go through multiple redundant phone trees and wait on hold.

This branch treated me like a criminal for some reason. I’m a federal employee on base, at the base bank, depositing a check. I know that looks suspicious but don’t be so obvious about your pointless concerns.

My wife wrote a convenience check off her credit card to take advantage of a 0% offer and pay off some higher interest LOCs and such. I tried to deposit that into our shared account. They told me the signature on the check didn’t match hers on file for some reason and threatened to report me for a false signature essentially. I told them call her and see or do whatever they needed and I’d sue them for those false claims if I had to.

It’s a check from her on a different account, to our shared APGFCU account. It’s not from some other random person to us. They finally deposited it but put a super long hold on it.

I never went back to this location and I never will again. Accounts closed.

Their website is horrible and confusing compared to other banks. Same with their app. There’s nothing good to say about this place.

Andrew I.

Retired US Marine. Wife former Army Officer. Just relocated here from Great Lakes Naval Base, Il. Outstanding service from reception to opening up an account to transactions, to correspondence to online assistance to everything! Working with wife to join APGFCU, Keep up the excellent work!

Clifton V.

Chris is the real deal. I dont know about others experience but for me he helped me out and explained things very well. He actully cared about my situation and did what he could to fix it.

Jeff M.

If fraudulent activity is charged against your VISA check card -- which purportedly "works better than a check" -- good luck getting your money back in any sort of reasonable timeframe. Hundreds of dollars gone for weeks. Physical paperwork and notories required. And this process can't even start until fraudulent transactions that are "pending" (i.e. haven't even posted yet) are allowed to go through. No stopping them in the way you a stop a check. Reason given? "'Your' Credit Union's policy, is anything else I can help you with today?" Blech.

Cody D.

My wife and I have stopped using APG. Why? There is a ridiculous $0.10 charge per swipe of your debit card if you don't have like $10,000 or more dollars with them. This charge is so unnecessary, no other bank or credit union has anything like it that I've been with. We have moved to Ally Bank.

Christy B.

They treat employees that happened to be single parents of young children or familys with children very badly so to me and some people that see this or know this i would like to say they say they are all about family if they are getting you to get a loan or opening an account like they are all about family but employees are 100% not treated with what they say they stand for that isn't good business harco credit union is so much better they say what they mean and that stands for every one

dwayne M.

Dear apgfcu, please just disappear. Systematically close out all customer accounts and just give up. Absolutely terrible everything, too much to list, too mad to actually sit here and think about every detail so that I even could list everything.