aside from the little bickering above, NFCU is amazing to be a part of. 

Yes, you can beat their credit products at many other places, but it's the whole package that is to be desired. 

As an active duty service member I get free checking with $20 a month in ATM fees reimbursed to me.  I currently have a one year 4% CD from them.  You will not beat that rate anywhere. 

I have a 10K Cashrewards Visa Signature (was 20K but I had them decrease it, lol) that gives 1% back and has no annual fee. 

I like NFCU.