1. United Bank

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    Vienna, VA

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    Personal banking

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    4 months ago

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    Navy Federal Credit Union

    Navy Federal Credit Union

    (241 reviews)

    Navy Federal Credit Union has excellent banking services! Except for getting a home equity loan. I…read moreapplied for an equity loan for $13,000 to repair our roof. When applying for the loan with Misty at our local Navy Fed, she input all our information, did a "soft pull" of our credit scores and quoted a probable 8.5% APR for the loan. We are 6 years from paying off our home, we own our 2 cars (no debt there), we are both retired Marines with retirement income in addition to my husband's surgical technician job income, and my credit card is at $0. Heather Burrow wa assigned to me as an email contact during the application process. When the loan application went through, she sent an email saying Navy Fed approved our equity loan at 14.5%....what?! I get a better rate through my credit card @12% through USAA. I emailed Heather Burrow to decline the loan, and I didn't hear from her for 6 days. And everyday I didn't her from her I was getting automated emails reminding me I had a task to complete in order to get the equity loan. I actually had to call last night the number at the bottom of her email. The person I talked to (I wish I remembered her name) was so very helpful...she withdrew my application and stopped the auto generated reminders. Oh, and after not hearing from Heather Burrow for 6 days (my contact for my equity loan application) sends me an email today and says she will send in my withdraw of my a loan application but it could take a couple before I stop receiving emails. She was not there to answer questions or even withdraw the application, but at least the person I called yesterday could do what she couldn't. Very disappointed in Navy Federal on the loan rate and the absent contact person for the loan application process. It's like she works from home and only works when she feels like it, 6 days and no response?! Overall, a great banking institution but you're not going to get a good loan rate or active response unless you talk to someone in person. My USAA has a better credit card rate by 2.5% than their home equity loan...make that make sense

    The online system sucks. I've been telling them for months about the double pending deposits and…read morenot getting the early pay. I'm having to do screenshots to prove what you saw, basically managing my money so why send my money thru them. Then when I got frustrated and upset because they can't provide a reason why it continues to happen, they get mad at me. They flagged the account and I haven't spoken to a rep in over 3 months. If you complain, they flag your account because they can't provide a valid reason for having an unreliable system. But they expect you to be a loyal customer and continue doing business with them. After this review, my account will be flagged for another 6 months because of the negative review. But it will be worth it.

    United Bank - banks - Updated October 2026

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