USAA vs NFCU

[heatherbee]

I currently bank with USAA, also have my car insurance through them.  My husband opened an NFCU account when we first bought his truck in January because he got a bad rate on his loan, refinanced with NFCU right away, got a great rate.  I like how USAA pays us a day earlier, but I just got approved for a credit card through navy fed for 6k when USAA wouldn't offer me credit at all (card or auto loan).  So should I just say goodbye to USAA and bank completely with navy fed?

[Anonymous]

NFCU is by far the best credit union out there along with Pentagon. These two offer the best rates, incredible limits and great customer service. Many people wish they could join these two credit unions so consider yourself lucky.

[haulingthescoreup]

I wouldn't let USAA go over this. Yes, they're more conservative than NFCU, but there's no point in abandoning your relationship with them, which will grow over time.

Don't be afraid to call USAA with the details of an offer from someone else. They might be willing to counter. They're being hurt now by PenFed and NFCU, and they know it!

[jackg]

I have no experience with USAA but I've been with NFCU since 2006, shortly after CH 7 discharge. They have been great to me. I have a $15K LOC and a $13K Visa from them.

[Anonymous]

Navy Federal pays a day early as well.

Some truths:

USAA insurance is not as cheap as GEICO with the NFCU discount, but the discounts you get on everything else you get with USAA when you have a policy, along with the share distribution account makes up for it.

In all NFCU is a great C/U with great rates, deals, and customer srvice. Their Web Bill Pay is awesome and free. They are the largest credit union in the United States. 

Since you are only being paid via Direct Deposit, NFCU is a great bank. I had to move my main banking to USAA because my current job pays in spot bonus checks that they do not do DD on, so I needed the Deposit at home feature of USAA.

Give your business to the company that supports you!!! the company that lends to you.

You will see no drop in service quality if you move your banking to NFCU.