Agriculture Federal Credit Union

No experience with their loan or credit card process, but AgFed offers great promotional CD rates and terms. Account opening process is a little cumbersome online, but staff in branches and on the phone are both professional and helpful.

The most cumbersome student loan refinance process. Very unhelpful, very difficult to deal with.

I have credit scores well over 700 and no outstanding debt but they refused to issue me a credit card. Most ridiculously strict underwriting I have ever seen. Don’t waste your time or hard inquiry with these bozos.

First, I really don’t understand the 1-​star reviews of Agriculture Federal Credit Union (AFCU). I’ve been doing business with AFCU for almost a decade. I don’t use them for banking services. My experience are mostly related to consumer loans.
I joined them shortly after I spent 4 solid months working on improving my credit rating. I was shopping for low interest rate auto loans to purchase my first luxury vehicle. I can’t recall if I was recommended to AFCU or if I tripped over their website online. Either way, at the time, you only needed to work, live or worship in DC. So, the membership criteria was very flexible.
Since then, I have purchased 2 luxury vehicles through them and consolidated some revolving debt on two occasions. One car I got a 2% interest rate and the other a 1% interest rate with just average FICO scores.
The folks who work here go above and beyond to meet my needs. Its like that banking institution your grandparents use to go to. They don’t have the fancy websites or smart phone apps. Their website and app isn’t sleek, but its practical. You can do some online banking. They’re small, so they can cater to their clients in a way that the big banks can’t. Chile, I live by credit unions. I don’t fool with the Banks of America of the world for nothing more than credit cards and I’m really conservative with that.
In my opinion, AFCU is a 5-​star institution. I hope to remain a member for a lifetime.

I’ve been working with this credit union for about 2 years now and opened my account online. The online opening process was a bit onerous and the associate I was working with went on vacation in the middle of the process so it took about 2 weeks to complete the process and I only wanted a savings account and he opened both a checking and savings. Since both are free, I didn’t make a big deal out of it. Looking back, I would’ve opened the account by stopping by their office
Based on my account opening experience, I decided to very gradually move more stuff to the credit union to see how they are to work with. Other than the account opening issue, they’ve been great to work with. They’re part of the CU service center and Allpoint ATM networks so there’s a wide network of ATMs. Also, when traveling overseas, they allow up to 3 ATM withdrawals at no charge which can be a big savings compared to other banks. Also, they’re remote deposit feature via smartphone is also nice. Basically I wanted a credit union where the fees are reasonable and I could do most transactions without having to go to a brick and mortar branch. If a substantial brick and mortar presence is a big priority then their limited network and hours would be a deterrent. I haven’t applied for any loan products so can’t rate on that.