Navy Federal Credit Union

Having been a former Wells Fargo, Bank of America, Chase Bank, US Bank NA, and a local credit union customer (San Francisco/Bay Area CA) that needs to remain nameless, and I'm embarrassed to admit that I WAS a member of Capital One online banking services, NFCU and USAA have been there for me as an aging member of the national population plus done their utmost to stay in touch and contact me when I have any concerns or questions as to my bank accounts, credit cards, insurance, etc, etc.

I've had NO sudden overdraft fees or hidden fees/penalty fees due to payments being withheld and taken out of order; I haven't found myself suddenly in negative balances in the minus hundreds with the excuse that "there are insufficient funds available" and "overdraft protection is your friend, relax Mr. **!" Nor did they understand when I suddenly became frozen and emotionless yet still quite visibly angry. In the past, I've had to be escorted off the premises by the police and insulted by a teller, with witnesses present, due to being a former service-member. By phone, text, or online has been no better for me.

Again, the exception being NFCU and USAA who go out of their way to treat me with respect as a person and for being a veteran. I've had nine (9), data breaches and identity thefts in 2018-2019 alone, the most recent is a month old, Gmail & Google accounts and NFCU's and USAA's separate efforts of multi-layered security, 2-process identity verification online log on, multi-process phone identity verification, and so on in my personal experience, far surpass the banks/credit union previously mentioned above. I've lost very little sleep knowing they actually value me as a customer. My credit monitoring services all list me as being Exceptional-rating or A-rating when it comes to paying bills, etc., so NFCU and USAA KNOW THIS and it is part of their separate pattern-recognition protocols and have contacted me when I've made a digital or reality purchase and a SNAFU (situation normal, all fouled-up) has occurred. Every time!

Not brag or boast but mere fact backed-up by paperless accounting, online accounts, AND text messaging. These fine folks are also veterans, dependents and/or survivors, retirees, former Department of Defense, former government officials, former emergency services, or have known or know military-related people and emergency-service personnel, and college students so they can actually relate to our perspectives. They definitely understand my goofy sense of humor and my take on personal responsibility, security and safety, and why I'm compelled to honor my word.

They continue to understand and compliment me when I make necessary info changes such as my choice of cancelling all my Google product accounts including Gmail, which took 2 days to delete years of information Google collected on me including everything, yes everything! From the Spam folder collected over the years as part of Google's "privacy protection"; changing emails; password changes; my verification of goods and services over a certain amount; online shopping credentials; online veteran services credentials; I could go on and on with praises but I think I've said more than enough about NFCU and USAA except to say, that for them, it's just another regular day at the office providing help and assistance. With deepest gratitude and warmth, they have earned my thanks many times over.

Once the VA appraisal was completed, he notified me, verified a a couple of more things, and informed me that my loan packet was going for final review. This is where things slowed down considerably. I was about a week from my scheduled closing date (15 July 2019) and still had not received final approval. The Thursday before closing, Mr. ** sent me an email at 3:15pm informing me that the reviewer had began working on my packet.

At 3:37pm I received another email from Mr. ** congratulating me on being approved. Mr. ** called me and apologized for the delay and explained that they were a little backed up because so many people were applying for mortgage loans due to the low interest rates. I completely understood. I read a lot of negative reviews about the NFCU mortgage process but I can honestly say that Ms. ** and Mr. ** kept me informed every step of the way and made this a very smooth process for me. I highly recommend NFCU!!

Coming from a woman who expects nothing but the best out of the companies that I give my money to, they meet, if not exceed, my expectations. They are exactly how banks and credit unions should be, and to be honest, how other companies should act. Professional, knowledgable, and courteous. I have never gotten the runaround from any representative, they are all on top of everything, and if they were in trouble financially as a credit union, they are someone I would invest in. Also, note the fact they have never had to have a government bailout unlike SOME banks which I shall never do business with. Absolutely nothing bad to say about Navy Federal. Will DEFINITELY be with them for life.

I've always stayed on top of my finances and saved for emergencies in case I didn't have a paycheck. I also didn't use my credit card or checking if the money wasn't there to pay off a bill. It doesn't work for everyone, but it's interesting how many people want their banks to give them money with little to no collateral. NFCU (like many institutions) has so many notification tools to keep you updated on the status of your accounts. I guess it's no surprise when certain media outlet report that on average 40% of adults don't have enough savings to cover a $400 emergency. If your expectation is for this credit union to give you money for nothing (no interest or collateral)--then you might want to consider looking elsewhere. If you're on top all your finances and are looking for competitive rates, offers/promos, good phone app/security features--then you won't be disappointed.

I applied for a VA Refinance with Cash Out at the end of June. I was conditionally approved the beginning of August. Then the processor just stopped processing the loan. She just sat on it. She never came into the office or was always in meetings. Several other processors and supervisors promised action or follow-up phone calls, but never delivered on either. So here we are, nearly 90 days after the initial application. No information. No follow up to my inquiries. No loan. So as I said..., if you need a mortgage, go anywhere else but to Navy FCU.