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I belong to both Penfed and NFCU, both have amazing customer service. I have found NFCU to be more flexibile and generous on CC's but Penfed gave me a great APR for my car loan recently (i have a car loan with NFCU also). Personally I think there is no downside to joining both and using the strengths of each, car loans for Penfed and some CC' products and CLOC and CC for NFCU.
Hey Tough,
After I applied in May of last year, I got every product I was looking for.
Refinanced my auto loan, line of credit, both the platinum and power cash credit cards, and a checking and savings account. PenFed has been awesome. I haven't received any CLI in any of the two cards but I am waiting a couple of months for my score to jump a little before they HP once I request.