Mid-Atlantic Federal Credit Union, Germantown, MD

Not very welcoming, Came to open an account and was told to make an appointment. No others customers in the building. I wanted to have a second bank besides navy federal. Changed my mind real quick!!

Adding maintenance fees (junk fees) to accounts that has been there for many years. They pay practically no interest on your funds. We had 7 accounts with them, have closed 4, down to 3 and they will be closed this month. Customer no service.

I had a negative experience with MAFCU's customer service. I needed a copy of my car loan release so that I could transfer the title. Unfortunately this is not a document that the union makes available on line in my account. They offered to mail it to me on the same day that I requested it from customer service on July 3. They told me that it would go into the mail that same day. I was surprised that they were unwilling to email or fax it to me on the day that I requested it. As of this morning, 7/10, I still have not received it and I had to call customer service again. As a "special favor," they will make the document available to me later today at one of the branch offices. This is not what I would call putting the member first and getting the job done expeditiously. I will not turn to MAFCU in the future if I need another car loan.

I would not recommend this credit Union to my worst enemies they have the worst customer service. My card was used fraudulently and I have yet to hear anything from them about getting me a new card 7 to 10 business days is ridiculous where in a pandemic at least distribute a temporary card.

Jaspreet helped me get an auto loan and she was amazing. Not only was she helpful but she was patient. Thank you Jaspreet! edit: have to lower my stars a bit. I found a car that I liked through a dealer so I decided to come to the bank to ask them what my rate would be before purchasing the vehicle. The teller told me it would take about an hour. 3 hours later I get a call saying that she would submit my request to the loan department to then be told it could take up to a day. I took today off work to purchase my new vehicle and now I have to wait until Wednesday (my next day off because I can’t take tomorrow off) to hopefully purchase this car. Not sure why they have to wait for the loan department to tell me what my rate is. And if you’re going to do that, you might as well just submit it right then and there instead of wasting my time. I’m super frustrated.

MAFCU has a policy to charge a $5 per month inactivity fee. SO, if you just want your savings account to sit there and earn dividends, be warned!! They will take $5 every month for having NO activity. Which means they do NOTHING! No transactions, no deposits, no interactions with a person, they literally charge you $5 to do nothing! It's a ridiculous policy! I have closed my account and will take my money somewhere else!

I haven't been in a bank location in years so I can't speak on the service there but they have good web banking and they started a new rewards program with their credit cards. I was able to get lots of points and credit on my credit card from using it for everyday purchases. Mafcu gave me a chance to have a bank account after overdrafting and having my account closed at another bank. They gave me another opportunity for banking and for that I am thankful.

"You are a non member with no account, so you can't cash a check... you can make a deposit though!" -2 people at the Germantown branch "You can cash your check here, but we're gonna charge you $20.99, and we can't give you a reciept" -Gaithersburg branch