APL Federal Credit Union

Sadly, I am closing my accounts with APL Federal Credit Union. Before you read my review, I would recommend contacting SECU of MD for your banking needs. They are absolutely wonderful!
Now for my review…
I applied for a vehicle loan with APL approximately a year ago (for the 1.99% interest rate), which was denied. I recently applied for their classic credit card and received another denial. Their approval/​denial guidelines are absolutely absurd. The representative said she looked at our home value to possibly extend a home equity line of credit instead of an unsecured credit line. We don’t need or want a home equity loan. What sense does that make? I am very disappointed that I wasted a credit inquiry at this institution. Hopefully they have enough impeccable members that they never have to loan money to middle class customers.
I’ve never had this issue with SECU and I am sorry I even considered a loan from APL. And please don’t assume that I must be a bitter, unqualified buyer. BMW Financial gladly offered me 1.9% on my auto loan. My rate on my SECU rewards card is 9.9%. And I’ve never paid more than 4% interest on my auto loans through SECU. My Discover card interest rate is roughly 13%. I hope you find this review helpful and reconsider if you plan on banking with APL.