I have been rebuilding my credit for the last two years and i am down to having a just a few collections and they will be paid off soon, my score ranges from the high 500's to low 600's I could not get an unsecured card from anyone and I got a preapproval notice from NFCU applied i got a 5000 limit with a 16% interest rate. Capital one charges 22.9 on thier secured card...

My husband and I have been working through combining our finances - never an easy process! He has been with NFCU for a while now, and we decided I would leave my other banks and move over. Well, to make a long story short, I accidentally endorsed a check from an old account with my married name, and the account was still in my maiden name. My old bank didn't catch the "problem" in time, so they released the money to NFCU, and then decided to pull it back. This resulted in a "returned deposit fee" from NFCU. Feeling VERY silly, I called NFCU to just see what, if anything, they could do. Five minutes and one very pleasant phone call later, they refunded the fee! The customer service was amazing, and I really appreciated the recognition that this was an honest mistake.  I was a little skeptical about leaving my other banks, but now I'm sold. Hooray, NFCU!

So I've been workin on my credit for about a year and half... started out drastically low, and have since worked to to mid 600s... I recently signed up to become a member, and the next day applied for an auto loan of 30K... I was approve a 2.79 percent for a new auto, when I realized this might not be enough for the vehicle I wanted I RE-APPLIED for 35k.. and was approved again at the same apr rate. Hands downs the best loan process online, and over the phone. This credit union is awesome!

Navy FCU did have a bad track recorded earlier in the 1980's 1990's I believe in the 2000's they made a big turnaround. They brought in as many members as possible and revamped there customer service teams. They have always been generous with Credit lines. I have a 720 Credit score and was instantly approved for 14K Credit card and 15K line of credit, when all other so called big banks Citi, Discover, Amex denied me. I would say chase but they gave me 3K. Navy FCU has proved to me that they will be there and that is way I like this bank. Many other banks such as HSBC, CITI, CHASE have been decreasing there members credit limits to 1k 2k limits according to comments I've seen. NAVY FCU interest rates are low around 6.9% for 720+ when my chase card is currently at 22.9%. I only got it for the 6 month 0%. Navy is the best Credit union out there and the most generous in their Credit offers. I highly recommend them if you are in the service or DOD Civilian.

I'm 21 and I was with Wells Fargo since I was about 17 years old.  As a customer of Wells Fargo, all I ever accomplished with that Bank was PAYING them $16 a month, $8 each for both my Savings and Checking accounts, and I never accomplished anything.  When I turned 18, after being with them a year, I tried applying for a Credit Card and they just laughed at me.  Sure, I understand why I didn't get approved.  But in my opinion, length of service with a Financial Institution, a place where you trust with your own money comes to play, should be considered when filling out your application for credit. 

This is where Navy Federal comes in.  I love them.  I love them all.  When I notice a problem with an account or maybe a payment discrepancy or whatever the cause may be, I actually look forward to calling their customer service hotline because they are so polite, professional, caring, and I know they will do everything in their power to help me out.  Approximately 6 months after I joined Navy Fed, while keeping my accounts in line the whole time, I applied for a Credit Card to see if I would qualify and I sure did.  I love my goRewards Visa. <3

I will always be a member of Navy Federal.  Always.  I look forward to happily setting my siblings up with an account once they start working to start them off on the right track. 

Keep it up Navy Fed.  You are all amazing at what you do.

Navy fed has beat every bank i looked at for loans, plus they give me a ..25% discount on top of thier currently loan rates for being a memeber, I have had accounts with this bank for over 20 years

I have been with NFCU since about 1997.  My credit has come from non-existent to exellent to poor and everything inbetween through the years.  Wherever I have been with my finances they have been right there with me to help me through.  From their great customer service to their excellent offers, I cannot say anything bad about NFCU.  Even though I do not have a local branch available to me (I have to drive an hour to the closest location that is on a Navy base that isn't even readily accessable to me since seperating from the Navy) I still will not even consider dropping them as my primary credit union.  I can't say enough good about them.

Navy Federal is a good credit union.  Their size (largest CU in the US) offers resources beyond what most credit unions can offer.  They update Mint without issues or cost.

I have been with Navy Fed for several years but never tried any of their product. Last year new car loan for 1.79% and a credit card with 7500 limit. I have had some issue with credit do to being disable because of a medical situtation and took a few dings on my credit and they have fully taken care of me when I needed it. They will be my CU for life. 

I am working on my weak credit score to achieve a higher point in order to acquire a small loan with NFCU.  I had been a member of other Bail out banks and never got the professional service NFCU offers.  Sometimes I run short from month to month and I am signed up with overdraft protection, meaning that I could go up to 500 overdrawn till the next month and it only costs me 20.00 per accurance.  You can't evern do a check (payday loan) advance for this small fee.  My credit score is 615 due to filing a bankrupcy last year.  I am sure within the next 4-6 months I will beable to get a loan at nfcu.