Baylands Family Credit Union Main St, West Point

I was always told growing up to bank with a local credit union because it will be better for you in the long run. Now I have not done anything in terms of regular banking, but my wife and I applied for a mortgage through them and were less than impressed with the mortgage team leader (Crystal). We were told to sign our application and not to pay attention to the listed interest rate because that wont really be set until their "investors" review the file. That rate was nowhere near competitive at the time. Fast Forward a few weeks and we have to re-submit things here and there but I suppose that is normal. Then the approval comes in at the rate that was on the application that we were told not to worry about. I was told I just did not understand how the market worked and that the national rates had gone up and it was just how it was going to be. This was BS. It was national news how rates had stayed trending down and now this rate was even less competitive. They also mainly wanted to put us in a FHA style product when we said we wanted a %5 down 25 year loan. She kept pushing this 0-3% down 30 year loan that we would get "free grant money" to make the down payment if we qualified. We felt kinda beat up so we just agreed to go that route. Then after 3 weeks we were told that either we didn't qualify or the money had run out and in a very matter o factly way were told that the new plan was %5 DOWN for 30 years. which showed they had never really listened to us. When I asked to speak to the bank manager twice about Crystal Howells incompetence the manager was never there. I was instead sent to give my complaints to someone who worked in another financing side of the bank. After a couple of attempts to win us back by lowering our rate by "allowing us" to buy a better rate we went somewhere else and got a rate that was MORE THAN a half percent lower and were given over $1,250 of credit towards closing. STAY AWAY FROM THE MORTGAGE SIDE OF BAYLANDS I CANNOT DECIDE IF THEY ARE CROOKS OR JUST ENTIRELY INCOMPETENT AT WHAT THEY DO. ZERO STARS IF POSSIBLE GEORGE MASON MORTGAGE IS MUCH BETTER ALL THE WAY AROUND

Amazing place to trust your money and your time! I’ve been with them since I was able to open my first check card and they have been the most helpful and understanding people I have ever worked with. Desiree’ is amazing to talk to about loans and helps you understand the process and everything that goes into one so you are confident in what you are doing. They are by far the friendliest and most compassionate people I know and will continue recommend people to reach out and find out about their great perks such as with their grow green accounts, they pay higher interest to give you money back for more important things, their app which is easy to use and follow, but by far they are definitely Baylands FAMILY Credit Union, where families get more than just a credit union.

They made me feel very uncomfortable and embarrassed. One day i left there in tears. I was trying to get a loan for the first time. No one sat down and talked to me about the process. I had to keep going to bank to figure out what's was going on.i was not made to feel likes valued customer. I've been banking with BayLands for 5yrs or better. It was just terrible. Honestly I don't think I want to get anything through them because of this. 8/8/2017 A BayLands head manager reached out to me and made sure that my situation was heard and corrected. They apologized and worked hard to help me get the loan i needed. I have noticed that the customer service has continued to improve. I am very appreciative of them for helping me get what i needed to help me support my family as a single parent. thank you.

I have been a customer of Baylands for a little over 5 years. I must admit my first few interactions at Baylands (West Point) were very unpleasant. I applied for a small personal loan to pay off a few medical bills and was asked to bring in proof of the bills. I bank with another Credit Union and was phoned 3 days before and preapproved for a personal loan at well over (by thousands of dollars) the amount that I requested from Baylands. I was shocked that I had to drive home to locate the medical bill to show proof that the bills did in fact exist. Additionally, the rep who assisted tried to persuade me to have them pay the bill directly to the debtor versus giving me the finds to pay on my own. The impression was that I" dont trust you to pay the bill so I'll do it for you"! The loan was repaid well before the due date in full!! Fast forward 2 years later...the service has improved 10 fold! I visited this branch yesterday and the teller at the counter recognized me by face and name and greeted me accordingly! She was patient and responsive to my needs. I have contemplated closing my account and keeping my banking affairs with the other credit unions, who hold my car finance and mortgage anoung other banking needs. However, after this interaction; I will continue my banking relationship with them! Kudos to the teller (wish I knew her name) for providing excellent customer service!

Very friendly, helpful environment. Very knowledgeable staff. I recommend Baylands for all your financial needs. Desiree Cummings is the best financial services specialist ever. Thank you for everything. Going to do some house hunting soon 🙂

So..... This place is garbage. I got a loan from them on a used car. One they are not easy to work with, main for the fact i was told that I could not set up a direct withdraw for the loan because I do not have a bakinng account with them. Second complaint is I have had them pull two hard credit inquiries, when I authorized only one. Once my loan is paid off I will never use them again. They're a joke. Also I am filing a dispute over them pulling two hard inquiries when I only authorized 1.

Our family is very pleased with the service we received at Baylands Family Credit Union. They are very helpful and attentive to our needs. They provided us with great service, we truly feel apart of the Bayland Family.

I would never think of taking my business anywhere else. The team they have at Baylands is better than any I've seen and is willing to help you with anything, big or small. I would give more than 5 stars if possible. Thank you

I have always had good experiences here! Especially with Kimberly and Tina in the mortgage department! They know their stuff, and always do their best to take care of people.

Best bank I've had yet. No fees of any kind, easy to use website, and the staff is hilarious, very friendly and helpful. I had an issue with fraud on my card recently and it was fixed and refunded in a very short time. Love this place!