McGraw-Hill Federal Credit Union

They do not help employees! They ask you tons of questions, ask for explanations as if they are providing a human approach and they are not. Unless you have a credit score of 1000 and never paid one bill late, do not apply to them-​they will waste a month of your time only to tell you NO!

I believe in credit unions and so I refinanced my mortgage with McGraw-​Hill Federal Credit Union. Though the teller and the customer service rep in Manhattan were good, the management in customer service is NOT PROFESSIONAL. In addition, they have some unusual practices for a credit union.
To pay your mortgage, they «offer» a grace period of 15 days and then the mortgagee has to pay a penalty fee for being late and this late payment becomes part of your credit rating.(I have a superb credit rating) However, when I utilized the grace period, I received «robo» calls at home indicating an overdue mortgage. I continued to pay my mortgage before the grace period ended.
I complained in mid– September about the calls. The customer service manager said that they would «try» to cut the calls off – but no guarantees. On November 14^th, I received a «live» call at my job. The caller indicated that they were calling on behalf of McGraw-​Hill, and «when was I going to make a payment»? I was NOT OVER the grace period and never gave the credit union permission to call me at home or work.
My recommendation is– find a better credit union. If you still decide to go with McGraw-​Hill Federal Credit Union, NEVER give them your business phone. Consider providing a cell phone number. Check the math on any refinancing of your mortgage. My lawyer had to call off the first closing because their numbers were not accurate. Again, there is a lack of professionalism.
TS