baller4 is right on the money with this one. NFCU is an outstanding credit union, and not just for rebuilders.
I'm not a rebuilder, but I am a builder. And I value the world-class customer service, a relationship with the largest credit union in the world, and the ability do things like product change seamlessly and get a 4% lower APR after having my card for only a few weeks.
NFCU is generous with credit lines and increases, and has many fee-free ATM's around the world to make access easy. The feature of having no foreign transaction fees is a bonus.
There are zero fees on balance transfers, and opportunities to lower your credit ard APR after the first year.
Opportunities also exist for zero APR or low APR balance transfers.
I like the fact that I can do mobile deposit at 3am in my pajamas, and typically mobile deposits have been credited to my account within 1-3 hours of my initiating the deposit.
The 24/7 customer service is a great help if you need it late into the evening, and the mobile app is very convenient.
I personally would rather have a solid relationship with the largest credit union in the world than the mom and pop credit union down the street that has 4 locations total. But that's just me. 
Go NFCU!
Navyfed is beyond generous to people with not-so clean credit reports.....
And even more generous if you have a clean report... and/or haven't burned them...
They also seem to be very "internet connected" and say YES when others say NO... they give folks a chance when others wont or will screw them for the privledge...
They grow with you...
Did i forget anything?
-J
@Anonymous wrote:
I personally would rather have a solid relationship with the largest credit union in the world than the mom and pop credit union down the street that has 4 locations total. But that's just me.
How often do people need to visit locations? I do nearly all of my banking with an internet bank, that offers unlimited ATM fee reimbursement, and with that, remote deposit and online bill pay, I never expect to visit one of their locations (nearest is 150 miles, all others more than 1,000 miles away).
@longtimelurker wrote:
@Anonymous wrote:
I personally would rather have a solid relationship with the largest credit union in the world than the mom and pop credit union down the street that has 4 locations total. But that's just me.
How often do people need to visit locations? I do nearly all of my banking with an internet bank, that offers unlimited ATM fee reimbursement, and with that, remote deposit and online bill pay, I never expect to visit one of their locations (nearest is 150 miles, all others more than 1,000 miles away).
I don't visit locations at all, and actually, visitng locations isn't the point.
The point is having the relationship with the large and more fiscally sound credit union with many millions of members versus the little mom and pop one which may not have the same level of strength.
@joltdude wrote:Navyfed is beyond generous to people with not-so clean credit reports.....
And even more generous if you have a clean report... and/or haven't burned them...
They also seem to be very "internet connected" and say YES when others say NO... they give folks a chance when others wont or will screw them for the privledge...
They grow with you...
Did i forget anything?
-J
You forgot that if you owe them money, they can and will take it from any other accounts you have with them.
I definitely looked into NFCU, and I just did again yesterday after reading some of this thread. With all the glowing reports, it does sound amazing! I actually debated between a mom and pop credit union that is open to just a few counties around me and Golden1. I ultimately chose Golden1 just last week over everyone else because they are the 6th largest CU in the U.S., have a high grade on their health as a CU, and their Platinum Rewards Visa offers APRs as low as 7.79% and 3% cash rebate on gas, groceries, and restaurants, and 1% on everything else (for when my credit profile is ready for it 
). Plus, I do like being able to walk into a local branch and sit down with someone to discuss what my plans/needs are and apply for whatever in-person if I want to. I don't think choosing/preferring another CU means that NFCU isn't great, and I certainly wouldn't rule out doing something with them down the road.
@Themanwhocan wrote:
@joltdude wrote:Navyfed is beyond generous to people with not-so clean credit reports.....
And even more generous if you have a clean report... and/or haven't burned them...
They also seem to be very "internet connected" and say YES when others say NO... they give folks a chance when others wont or will screw them for the privledge...
They grow with you...
Did i forget anything?
-J
You forgot that if you owe them money, they can and will take it from any other accounts you have with them.
As they should IMO
I have not partaken in Navy Fed but watched as an acquaintence took advantage of them.. and they didnt kick him to the curb...
Got a Secured Card from them... Burned them (yeah i know technically its secured but still).. so they liquidated the security deposit and pulled the rest from what was in his checking account.. He constantly overdrafts them, and they just take it out of his reoccuring ACH deposit (pay) when it comes in... Less than a year later he applies and gets apporved for their credit card.... Maxed it out but is still making payments on it, without fail..... And they havent bounced him as a member.... Im absolutely in shock how well this person who if I was a bank would tell to go pound sand... is still treated with respect, dignity and hasnt just told him hes not welcome anymore..
It amazes me how tolerant NFCU is of this ... less than stellar customer...
Update .. Still have him as a customer... but they took his entire Soc Security check for a setoff since starting to get behind on his card..
Called them ... They reversed the setoff but had him make an immediate payment on the account... and put him on a hardship plan for the cc... From what i gather eventually if he keeps making payments not sure if its time or zeroing out the balance... they will restore his charging privledges on the card... they upped the min payment but its still reasonable esp since they cut his interest rate to something like 4%
-J