I've had navy federal for 15 years now. In the last year I've noticed significant inconveniences in my day to day banking. Sometimes my transactions will take 6 DAYS to process on my account. This is new. Their software tries to calculate for what your "current balance" is vs your "running balance" but its always wrong because transactions take so long to process. I'll have 30 pending transactions at a time sometimes. And nearly a week later they all get confirmed and processed on the same day. Its so annoying and odd. This also makes fraudulent claims difficult to report because the transaction can be a week prior to when it posts. Ive had this problem. If NFCU is reading this, go back to how it was. 2-3days MAX for processing. Also it seems like they change the security parameters for logging into their website/app with more frequency than expected because it seems like every few months I am forced to change my password. Also their mortgage rates aren't good at all. Ive never taken a mortgage from them because every time I find banks that beat their rates significantly. Also it seems most physical locations can never give me more than 10k if I need it so I have to drive to multiple locations. 2 stars instead of 1 because their car loan rates are good and still miles better than USAA. Who Id give a negative 5 if I could.
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