First let me say that I am disappointed to read some of the bad experiences people have had with NavyFederal, they are truly troubling.
As for my own experience with NavyFederal(NF) I have been extremely happy with them. They have been very, very generous to me and my family. For the record though, I will say that my VA refinance process with them was a little less than perfect. I The first two loan processor seemed to be a little incompetent, to busy for me, or both. Needless to say, the 3rd processor got it closed in no time with no issues which made me wonder what had happened with the first two.
Since starting with NF, I have my mortgage, 2 auto loans, checking, savings, CC, etc with them. I am extremely happy with ALL my products bar none. I don't know that I would want to bank anywhere else and the fact that they have been expanding branches closer and closer to home is only a plus. One HUGE thing, in addition to the nice little bonus they kicked in towards my closing cost when i funded my loan with them, they don't sell their mortgage loans! and they service in house!! This is and continues to be one of the best selling points when it comes to mortgages with them.
I hope those who have are having negative experiences with them get them resolved satisfactorily. And for those of you who are thinking about trying them, I HIGHY recommend them.