It's interesting because I had the WORST experience and mad at myself for it.
They made me HP for membership and said they would use the same app. I went to open the car loan and another HP! Like **bleep**! I called them and made many complaints and according to the terms of banking, they can pull it at any time.
I was getting over it but at the time my EQ FICO 8 was at 691 and had the worst rate and wouldn't allow me to buy from private party.
I ran back to NFCU real quick. I'd rather pay them more on interest for a better relationship
Unfortunately NFCU isn't open to the public like PenFed. I think either you or a family member needs to have served either at some point or currently be serving but I am not 100% sure on this one.