@baller4life wrote:
Wow. Minski you don't have to be afraid of NFCU. They are one of the most generous CUs out there. Especially to those rebuilding. But, it is no secret that they are meaner than a junkyard dog if you don't pay your bills. They are the largest and richest CU in the country. And they take protecting their assets very seriously. But, as long as you pay your bills, you will be fine. Many of us here have been members for years and have had nothing but phenomenal service.
+1
Another thing to consider is since they are a credit union (and not a bank) any losses literally impact the membership as a whole, since the credit union is owned by the members. Significant losses will eventually result in lower savings rates, and higher credit rates for all members.
For better or for worse, it would be irresponsible to the other members if they didn't aggressively go after the few who don't pay their bills. Note that I've personally had hard times in my own life, so I'm not without empathy, but 'it is what it is'.
Personally I'm thrilled to be with NFCU, and I look forward to a long, mutually beneficial relationship for years to come! 
@Anonymous wrote:
@baller4life wrote:
Wow. Minski you don't have to be afraid of NFCU. They are one of the most generous CUs out there. Especially to those rebuilding. But, it is no secret that they are meaner than a junkyard dog if you don't pay your bills. They are the largest and richest CU in the country. And they take protecting their assets very seriously. But, as long as you pay your bills, you will be fine. Many of us here have been members for years and have had nothing but phenomenal service.Yep. I read through dozens of those negative reviews, and most are people blaming NFCU for their own mistakes. One example: Guy opens checking account, deposits checks, withdraws money, and some of the deposited checks then bounce, putting him in overdraft. Checking account was shut down since it was brand new, and a very common fraud is to open an account deposit checks, withdraw the money and vanish. And this is NFCU's fault?
+1
I looked though a couple of pages there, and I agree, I had to really struggle to find something that even "might" be the fault of NFCU.
Some of the mortgage concerns might (?) have some validity, but from my past life in real estate I can say that there are so many moving parts to a new mortgage that issues are not uncommon in any case, especially when a non-local originator is used... that's hardly unique to NFCU.
Even after reading the 'scuttlebutt', I think I'll "take my chances" with NFCU. 