Just went with Pentagon Federal Credit Union -no problem
They have always been unfailingly prompt and courteous and very competitive with products rates etc
Anyone can find a credit union to join!
Just out of curiosity- is it your credit score?
Even if you pay all the bills on time etc having too many accounts and too much on credit line can ding you
Want to join the Pentagon Federal Credit union?
Here is how -
Note that “civilians” with no military or govt association can join by becoming members of qualifying organizations- even being a Red Cross volunteer
http://creditcardoffersiq.com/penfed-credit-cards/how-to-join-the-pentagon-federal-credit-union/
I’ll vote for the credit union route. A friend (Army Colonel) was getting jerked around by the BoA at the Pentagon and I convinced him to walk over to Navy FCU. He did, and closed on the refi three weeks later. PFCU is also good (I belong to both, and have two mortgages with NFCU).
TC