zack7891, please do join NFCU and PenFed. Each is a great credit union and you need to take advantage of your ability to join. My daughter just financed her house with NFCU and got a great interest rate and a much lower monthly payment than she would have anywhere else. She also refinanced her care with NFCU and cut her car payment in half. She is absolutely ecstatic over being a NFCU member and thanks the Lord for her ability to join and become a member.
