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Andrews Federal Credit Union is an online company. Based on 23 reviews on TrustPlane, it has an average rating of 1.7 out of 5 stars. Last reviewed February 28, 2026.
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!!!!!!!!!!!!
My account was hacked. The branch manger accused me of lying based upon my age, insinuating I gave permission for the purchases.
Don't waste your time!! This company may have decent rates but their customer service is without a doubt the worst experience you will ever have. I am appalled to say it lightly. Shocked and disappointed with ny experience. They purposely make automatic payments impossible to setup. What a dishonest way to make money by preventing you the convenience of setting up automatic payments. Gross negligence on their end. Take your business elsewhere and thank me later.
I got a great new auto refinance rate with Andrews. I ended up getting this set up with a third party (Gravity Lending), as I tried for two weeks to talk to someone and couldn't get ahold of them. They have a .25% rate decrease if you set up automatic payments, too. But, then, I got my "welcome" letter, which was meant to help get me signed up with online banking. After two very frustrating days trying to get automatic payments from an external account set up, I finally did so. (If you try to call and chat with someone, you'll get on hold music forever until the system will literally tell you that all agents are busy and to "call back" at another time). I was happy I finally figured out their online banking system which is not user friendly at all. But then I realized I had two payments taken from my bank account this morning. Apparently there was an existing automatic payment, which was already set up, but I couldn't see it or access it online. I finally was able to chat with a real person (first time ever!) in their online banking system, and they informed me I had "internal" payments set up as autopayments (this was news to me!) but I couldn't access those online, nor could they tell me anything about them. Instead, a loans rep would reach out to me in 24-48 hours. I'd already set up a former scheduled discussion with a rep, and the time came and passed for someone to call me. I shared I was a bit hesitant about waiting, once again, for someone to contact me. This rep couldn't tell me 1) if I had any other payments in the queue, 2) confirm if my own auto payments I'd finally figured out how to set up were now canceled online, 3) or any information about these "internal" auto payments that weren't visible online. I've had bad experiences with sites that aren't user friendly or wait times for other banking institutions. But this is the worst and most confusing experience I've ever had. I truly hope that I can get this figured out soon.
I am pleased to share my experience with Andrew’s s Federal Credit Union, which I consider to be the best credit union I have encountered in my 40 years of life. Throughout my various interactions with other financial institutions, Andrew’s s has consistently felt like family. In fact, I often find myself turning to them for financial assistance rather than relying on my own relatives.Andrew’s Federal Credit Union stands firmly behind its loyal customers, offering competitive rates and a genuine willingness to assist. If I were to detail all the positive aspects of my experience, I would need to write a small book to fully convey my gratitude.I opened my account several years ago and have since utilized my credit card on numerous occasions. With a credit limit of $50,000, I have maxed it out four times and successfully paid it off each time. This card has become my primary choice due to its low-interest rate. Additionally, I appreciate the thoughtful gestures from the credit union, such as receiving statements that acknowledge my loyalty and offer the option to skip the minimum payment for a month, with the understanding that interest will accrue.In summary, my experience with Andrew’s s Federal Credit Union has been nothing short of exceptional. I wholeheartedly recommend them, and I am confident that you will feel the same way.
I have been a member of Andrews FCU for 25 years. I have always had an excellent experience when I needed to contact the bank, but this week, Ms. Arita Perryman went above and beyond to assist me. She sent a personal email informing me of a new, high-yield savings account that pays much better interest than my existing account. We then spoke on the phone, she answered all my questions and then helped me set up the new account. It was great to speak with Ms Perryman, who is knowledgeable, helpful, and able to explain financial matters in language that the non-expert can understand! And I was also glad to speak with a human being instead of an AI robot!!
This is the 3rd time where this location’s ATM machines were are down. I normally come in very early in the morning to make a deposit at this location. I drive a little out of my way to get there then all of a sudden the ATM is offline (both inside and out). I can’t make a deposit and as a result my ACH payments that came in all bounce. I normally can’t wait around until 9AM when they open because I’m supposed to be at work at 7AM. They then want to charge me $35 each bounced ACH transaction and not willing to accept any kind of accountability. This has happened to me 3 times over this month and I’m starting to get FNing!!! frustrated with the telephone representative’s nonchalant attitude. This morning I had to call in late for work then had to go way out to Oakton, VA to their sister credit union (Congressional) to make a deposit. Overall this location has great services besides the ATM but the issue with the Outside and indoor ATMs is a problem. This location needs to get their act together. If this keeps reoccurring I’ll close this account.
I remember my parents setting up my account with them in Wiesbaden DE when we were stationed there. I’ve been banking with them since. But once I became an adult, I started experiencing issues. The customer service was awful. Rude. Never on the same page. Their notes don’t make sense ever. They sound like they can’t be bothered to show an OUNCE of professionalism. When I had fraud on my old account and needed to open a new one, they never processed the closure of my account. Two years later I’m just finding that out when my new account gets its card stolen and I have to report it. It’s been a week of back and forth. No resolutions. Keep declining the disputes despite there being a police report. They keep telling me I owe $192 for the old account charge off. Which makes no sense because I physically paid the woman in the branch back in Germany. Now they’re saying I owe $553. Then took $2,000 from my account! When I asked to fix it they still took the $553. Which makes zero sense as there should be no charge off. When they spoke to the branch in Germany they had to put a hold on the closure of my old account, but failed to inform me. So for two years they didn’t think to tell me. The bank has no sense of organization and runs like a shady business on a street corner. I will never bank with them again and I think the military needs to cut ties with them for GOOD!
I have been a customer for years but the last 5 or so the company has become very very very shady. Unexplained fees, for example $40 overcharged and was told it was the local exchange rate. $40 over official rate. The call center person could do nothing was advised to visit local branch. The online email was just morons who are rude argumentative and when informed this was my business to know the rates, i was told pay or go delinquent my choice. Was rolled over for years CD even though I know I elected to not roll over because I would need the money in 5 years. I got a well you must have made mistake see you 30 days before the CD ends in 4 yrs 11 months. Credit Card had fixed rate of 7% was told to change to better card for higher balance , 10k available not 5k, was told the APR would be "competitive" as always a 19.99% is not competitive and was told re-apply for new card when Feds reduce interest rate. Most of time can not use the card as "fraud watch" comes up for anything over $500 so I must call in and authorize the purchase. I put travel alerts on my account...does not help, still must call from overseas and say yes I am using my card in this country. Annoying as it is EVERY time, even though I notify AFCU them weeks in advance of my travel schedule.JUST AVOID THIS BANK AT ALL COST unless you really have no other options. Save yourself stress and headaches as your are not their concern only your money they care about.
Long term customer with a credit card and savings account. I hadn't used the credit card since 2018, so I wrote to close the account. No communication from them since 2018. I was told that they began charging me $5/month to maintain the account (never notified of this) until the balance was zero. Some might call this theft.
Have unfortunately had nothing but negative experiences with AFCU since becoming a member. Am in the process of closing my accounts with them and transferring to Marine Corps or Navy Fed CU. Any time you have even a slight issue with your account, nothing is resolved until you call them again and again until they just get tired of hearing from you. Customer service sound like they just woke up when they answer the phone. I would never recommend this credit union to anyone. Oh and my checking account was hacked ($$$) and it took them 2 weeks to get the funds back into my account. Not acceptable.
I visited the Hainerberg (Wiesbaden) location and had a very pleasant experience with Danielle. Danielle is knowledgeable, professional, and has a wonderful attitude! She ensured my questions were answered to my satisfaction and provided excellent customer service. I hope she is recognized as a valuable asset to the AFCU Team! Thanks Danielle
I only have a personal credit card with AFCU, because at the time I applied, they were the only financial institution that offered a chip and PIN card. I found their interest rates to be fairly reasonable. In the past few years this has gone downhill.I had an inquiry about my interest rate and called the number on my bill. I called the number on my bill, and was connected with a very sour, uneducated, disinterested woman who was apparently having a very bad day. She took my account information, then told me she couldn't help me, but had to forward it to some department at the credit union itself, and that they probably would reply within 2 weeks. I told her that was unacceptable, and she began to get mouthy. I did not raise my voice, nor use inappropriate language, but she did. She informed me that "What you not gonna do is talk to me like I'm uninformed"... at which point I disconnected the call and got someone else. IAbout a week passed, and I was contacted by phone by a scammer pretending to be from AFCU fraud department. He knew my name and other pertinent information about me and my account. He told me that there was a fraudulent charge on my account with Apple pay, and they needed to close my account and reissue a new card. In order to reverse the fraudulent charge on my account, I would need to provide him with a code number that he would send in a text message. He almost had me convinced, but his speech was very odd, and seemed as though he was reading from a script. Not to mention the fact that he called very early in the morning, and I was not completely awake. He had called perhaps 5 times, and when I finally traced the number, he was spoofing AFCU's toll free number.When the text message came through, it was from Apple, not AFCU, and through my brain fog, it clicked that this was not right. I immediately disconnected the call. He tried calling back over 20+ times, as I was trying to contact AFCU itself. You cannot speak to anyone at any of the branches, all calls are handled by a call center. The only positive thing was that I was connected with a very nice, knowledgeable young man who handled the situation professionally and quickly. He opened a case and forwarded it to the fraud department, cancelled my card, and issued a new one. He said that there would be some paperwork coming from AFCU that I would need to fill out and return, and that there were no charges to my account from apple, only attempts. He verified the last transaction with me, and it was one that I had made.I did receive my new card, but never received any of the paperwork they mentioned. I contacted the call center again, and the agent said she didn't know anything about any paperwork, and just "don't worry about it". So far, there haven't been any issues in that regard. However, now every time I make a transaction online with the card, it gets declined, and I immediately receive a text message from AFCU fraud department asking me to verify if I made the purchase, that they suspect fraudulent activity. Luckily, I don't use this card that often, and I still have to call the customer service center, and verify that yes, I made this charge, I'm going to try again, please unblock my card... Etc. Why weren't they this proactive when I actually was being scammed by the apple scammers??I still have yet to be contacted by a representative from the credit union itself or the fraud department.I can't help but wonder if my scam experience was an inside job...It's difficult to deal with these people with a credit card, I certainly wouldn't want to use them for regular banking.I used to have a favorable opinion about this company, but leadership or something has drastically changed, and it has been for the worse. I do not recommend them.
I recently applied to Andrews Federal Credit Union and submitted all required verification documents. The website indicated a response time of 24-48 hours. However, it has now been more than 48 hours, and I have yet to receive a response. In my attempt to seek assistance by calling member services, I encountered further disappointment. Not only were they unable to provide any helpful information, but they also simply advised me to continue waiting. This experience has left me dissatisfied and frustrated. The misleading time frame and lack of effective customer service are disheartening, especially considering the numerous alternatives available. While I understand that delays can occur, clear communication and honoring promised time frames are crucial in maintaining customer trust. As a result, I'm left contemplating whether Andrews Federal Credit Union is truly the right fit for my banking needs.
Untrustworthy, shady, deserving to be reported to the Fair Trade Commission. Rips off customers by short paying the agreed CD rate. No real customer service, just a call center, which is not allowed to conduct any of business transactions or inquiries. You have to wait for a call back from their accounting department and that call back never comes. The worst credit union I ever encountered. Do not recommend them for any of your financial needs.
Don’t bank here! They have no clue what a bank is or should do. Mistake after mistake. Dinged my credit for no reason - I had fraudulent credit charges which I disputed, and were taken off. I then closed all accounts with them and then they notified the credit reporting agency that there had been a non payment. I haven’t used that account in 5 years!
According to TrustPlane, Andrews Federal Credit Union has a 1.7/5 rating based on 23 verified reviews as of April 2026. Source: trustplane.app/company/www-andrewsfcu-org
