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    Texas First Bank

    5.0 (1 review)

    Services - Texas First Bank

    Personal banking

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    4 years ago

    Great hometown bank! Very friendly and professional. Glad we moved our money here.

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    Navy Federal Credit Union

    Navy Federal Credit Union

    (10 reviews)

    First, let me say I joined Navy Federal Credit Union because I felt that they were more customer…read moreoriented than say, Chase Bank. I purchased a used car from them in 2024 and paid it off. I applied for and was given pre-approval to purchase a used car. The rate was 6.49%. I ended up purchasing a new vehicle. I then called Navy Federal credit Union, and asked to have my interest rate adjusted accordingly. I spoke to three different people three different times and was told there was nothing they could do. I called again this past Friday on April 25, 2025 and spoke with two people. The first person I spoke with was reasonable and transferred my call to a supervisor named Robert the last name provided. I told Robert I was disappointed with Navy Federal Credit Union unwillingness too communicate with me in good faith. I didn't say to him "your people could have said to me if I change the terms of the loan, i.e., the number of months financed why wouldn't they modify the loan?" Robert said he would change the interest rate. Based on my recollection of the conversation, he agreed to change the rate from 6.49% to 3% with a 36 month finance plan. I waited to get the revised loan agreement/promissory note and it arrived on yesterday, Monday, April 28, 2025. Unfortunately, it had the terms of the original loan. I called back to Navy Federal Credit Union and asked to speak with a supervisor again. I spoke again with Robert who may or may not have remembered our conversation from three days prior. He said according to the notes, the interest rate should be 3.9% and not 3%. Since according to them, all calls are recorded I asked for a copy of the recorded conversation. I was told I could get a printed transcript and not the actual recording. Having worked in the Legal field for a long time I know that in depositions people are afforded the opportunity to make revisions to the document. I've expressed my concern that without hearing the tape I was left to the mercy of whomever was transcribing from the recording. And, that the transcription may not be inaccurate representation of what was said. This experience caused me to look back at my previous loan with Navy Federal Credit Union. I discovered their business model is not as beneficial to its customers as one would like to believe! Their model does not allow principal payments! Safe for instance you have a loan and you make a $10,000 payment to reduce the amount owed. That amount of money is spread out as if you were making multiple monthly payments. The monthly payments have interest calculated into them, therefore the consumer is not saving as much as they could. Reducing the principle saves the consumer the most amount of money. I strongly encourage everyone to listen closely to the word choice that banking officials use. These people are highly trained to intentionally mislead customers by redirecting you with words that do not answer specific questions, and lead you down the path that distracts you from your initial interest. From what I've seen most banking institutions employee similar tactics to maximize their profits, leaving the customer, unaware that they could've saved the money! As of this moment, I have not received the revised promissory note with the new terms. GN3

    I went in to make a deposit the customer service representative was very friendly and…read moreknowledgeable. I love the extra step of security I'm so happy that I'm currently in the process of moving to a city that have a NFCU bank. I love Navy Federal!!!

    Texas First Bank - banks - Updated May 2026

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