I have had NFCU since 1998 and have NEVER had a problem. I've had car loans, signature loans, credit cards, IRA and now a small business account. They have always offered us a lower rate than the competitor! Once they couldn't approve another car without a down payment unless I sold the other car I had but I was overextended and my credit score was low so I was glad they had approved me at all. They have always been very helpful and going above and beyond several times correcting my mistakes. I have been late on my payments several times and have never had a late fee. They also were the only institution that didn't lower or cancel my credit cards when I paid them off earlier this year like AMEX, Discover, & Best Buy did. They are top notch in my opinion. We have Wells Fargo also and they have never approved us for anything we asked for but they do have a much better online banking interface.