discuss Which military-affiliated credit union is best for credit and savings?

I know everyone has their own opinion, but which military-affiliated credit union is the best?

Right now, I'm with a local bank but want to switch to a credit union. I'm looking to improve my credit score and to save more money.

I live in southern Oklahoma.

We moved from USAA to Navy Federal and so far, we're pretty happy. They're not amazing, but they're definitely better than USAA.

I've been with Navy Federal for over 25 years.

Retired USAF here and I chose to bank with Navy Federal Credit Union.

They have competitive rates and commendable customer service.

My primary bank is Navy Federal.

I use both their AMEX More Rewards Card and Visa cashRewards. This allows me to get about a hundred a month in cash back by using only credit and paying the cards off each month. The AMEX gives me 3% at the grocery store, gas stations, and restaurants while the Visa gives me 1.75% everywhere else. It's nice to make money by spending money as I typically would!

They even have a physical branch that might be close to you, if that's of importance.



I also have PenFed because they have a 2% cash back card, but I only use it as a backup bank when needed, active with the bare minimum.

Navy Federal offers a nRewards Secured card to help build and repair credit while also earning rewards. I'm unsure what PenFed has to offer to build credit.

I'd always say go with a credit union instead of a bank. I've been with Navy Federal since 2005 and haven't had any problems.