I have recently given all my business…
I have recently given all my business to Navy Federal credit union. In doing so I transferred a couple of loans which had been open for several years. Recently, I had an emergency to cut down some trees and needed a short term loan. They gave me the loan but at a second tier rate. They stated that even through I have an 800+ credit score with no derog ever that since I had loans less than a year old with them I was "high risk" I went with them because their rates were better. I don't like their payment options on their app though and if you ask a question through email you get an automated response. I have asked someone to call me regarding this recent circumstance and I'm not a valuable enough customer apparently that someone can actually pick up a phone. Matter of fact I would bet this review gets an automated apology with a number to call if I have further questions. I highly recommend PenFed or USAA. They are definitely more accommodating and have similar rates with more perks.