I have been a customer of NFCU for almost 20yrs when I first enlisted, and remained loyal to them throughout, having received adequate support, average rates on a vehicle loan, and satisfactory customer service overall. However, my latest interaction with them this past month with our first mortgage application has opened my eyes as to just how dissatisfying this establishment is. Their staff are slow to respond, their process is inefficient and confusing, and their loan officers lack the basic knowledge of the VA loan…the one loan that a military-affiliated establishment should be the most familiar with! I am disappointed with NFCU, and will gladly be taking my business elsewhere. If I can sum up my experience with NFCU over a decade, it would have to be average, but this last experience has made it clear that even that term is generous.