Andrews Federal Credit UnionReviews of andrewsfcu.org

I’m giving Andrews FCU 1 star only because 0 stars wasn’t an option. This credit union has been extremely disappointing from a customer-service standpoint. I worked with Andrews FCU for nearly two years while planning to purchase a home, and when it came time to close, they were unable to match the rates and terms being offered by competitors. The closing process was also unnecessarily long and involved what I felt were excessive requirements. During the process, I was made to feel guilty for considering another lender, and ultimately I stayed with Andrews largely because of that pressure. Unfortunately, my experience after getting the loan has been just as frustrating. During the loan process, I was specifically told that a recast would be an option and that it could be completed immediately after making a large principal payment. However, once I actually requested the recast, the process became unnecessarily difficult and drawn out. The delays ultimately cost me at least a $1,000 in additional interest. This was especially frustrating because the ability to recast quickly was one of the factors I relied on when choosing Andrews. Another major concern is the lack of transparency regarding mortgage servicing. The mortgage remains with Andrews FCU, but Andrews outsources its mortgage servicing/customer calls to another company. This was not clearly explained to me during the loan process. When I later needed to make a large payment, I received an email with wire instructions from a company I was unfamiliar with rather than directly from Andrews. The communication did not clearly identify Andrews FCU, which created a serious security concern. Given how common mortgage wire fraud is, I found it extremely concerning that the process could leave a customer questioning whether a communication about a large payment is legitimate. Overall, my experience has been frustrating from the loan origination process through mortgage servicing. I expected much better communication, transparency, and customer service from a credit union I had worked with for such a long time.

We are banked here for 40 years and apparently they’re sliding down the hill as nobody local, including our Maryland state Police Department has ever ever heard of them They let electronic check go through our account, which we never put checks through electronically for a large amount of money. The check was about 45 checks out of sequence so it should’ve definitely been flagged now they don’t wanna put the money back into the account and give us a list of reasons why we should’ve been more careful, not using the post office to mail a check they continue to tell us that their quote on “fraud department will get in touch with us and that this happens all the time because they don’t monitor their electric checking according to them they told us if the money is returned to us at all it’ll take 6 months. We contacted our state police Department on our own. The state police department said the banks always refer to them. However, our bank did not makes me a little bit suspicious as to where the money went from our account in the first place that was washed. Looks like our handwriting was six months, old and way out of sequence again they should’ve definitely been flagged by their ““ fraud department will be switching to a more reliable credit union like navy federal or Cedar point I would avoid this bank due to the fact that they do not monitor their banking very carefully and if you are one that commits fraud, this bank appears to be an

Andrews isn't Great or Terrible honestly, just SLOW Pros Really good rates across the board Dramatically improved GUI interface Chat feature as of this date can actually solve problems Can handle all your loan and banking needs in one place You have descent approval odds for anything you request from them Con They use manual underwriting that slows down everything considerably, it takes forever for them to get back to you and then their is ton of red tape before the money is in he mail or in your account They stop "pulls" from external accounts and tried to gaslight me about it was never like that from the beginning lol. So basically because of fraud they tell you to push money from your external account to them, because they wont pull but you can quickly find yourself in a "dog chasing tail" situation here as other institutions will tell you-you need to have AFCU "pull" its a silly game everyone is playing its just AFCU is worst about it. Not really bothered to help you or retain your business. I wont go so far to say they are rude but if you find a better or faster rate/service somewhere else they honestly don't really care. As Fintech banks get more popular AFCU is gonna struggle here especially with ultra slow underwriting and red tape hula hoops where weeks go by before you get your money.

Very disappointing experience with Andrews Federal Credit Union. My auto loan approval was ultimately conditioned on using a “preferred vendor,” a requirement that was never disclosed upfront. This lack of transparency resulted in the loss of my vehicle purchase. Additionally, multiple attempts to return calls went unanswered, making communication extremely frustrating. Overall, the process lacked clarity and responsiveness.

Andrews FCU is horrible. I literally cannot pay them online through my external bank account. I am going to have to go old school mailing in checks to pay my auto loan. I seriously regret financing through this idiotic place.

I have been a customer of AFCU since 1992. They are the best. Nobody pays interest on a Checking account more than they do. Their interest rates on auto loans are way lower than other places by at least a full percentage point. CD and money market rates are some of the best. If you asked 10 years ago it might be different they had some customer service issues and their loan department was not the best trained. But today that story is different, I always receive the best service when I call. I am not local to any branch in fact they are over 1,500 miles to the closest branch and I have not stepped foot in one of their buildings since 1992, but they have done an excellent job of keeping me part of the AFCU family. Having been in the banking industry for 22 years and dealing with hundreds of banks, AFCU is head and shoulders above the rest.

New customer and I'm attempting to setup automatic bill pay for my auto loan. They give you a nice discount on your APR for using this feature. What they don't tell you when signing the loan is that setting up auto bill pay is DAMN NEAR IMPOSSIBLE. I'm a cybersecurity consultant by trade with over 20 years experience in the IT Sector. I know my way around crap GUIs but this takes the cake as the most frustrating user experience I have ever witnessed- and I've used BMC Remedy. It's almost like the automatic bill pay process is purposely convoluted in order to not give out the aforementioned APR discount.

If you're looking for supportive staff, easy processes, short wait times, user friendly website/app or even basic banking needs -- ANDREWS FCU is NOT the place for you. This credit union does not answer the phone, will pull your credit, approve you for a loan, and never give it to you. They will run you around in circles, make an appointment with you, and never show up to it. I regret banking with Andrews FCU and will NEVER recommend them to anyone. Management needs to make corrective actions to their customer service and loan department staff and processes. This is their job but this is our lives and money. There is a major disconnect with the quality of service and how they treat their customers. I applied for auto refinancing in November 2025 and was approved. its now January 2026 and they've ghosted me for weeks and left me hanging in the balance. UNACCEPTABLE BEHAVIOR FROM A BUSINESS! Seriously -- stay far away from this place!!!!!!!!!!!!