I have been with navy federal for about 8 months. After the first month I decided to apply for a refi of my car loan. I had a 5.66% interest rate came down to a 2.99% and saved me about 50 bucks a month. About 5 month later after recieving several letters from them to apply for a CC. i finally did and have a 21,500 credit limit at 9.99% needless to say I closed my higher interest rate CC. The approval process for both transactions was eazy and quick. The customer service is unbeatable. I am never leaving Navy Federal.
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Approved with mid 640 credit score. High utilization, so needed another card. Fully banked with NFCU.