As a U.S. Navy veteran I went to a local NFCU site in person, sat with loan officer for a Home Equity loan (not a HELOC). Was quoted 8.35%, 20 year term for $75,000 loan. My credit score is 822, no debt except an auto loan. Then went online to NFCU and plugged in the same information for the same loan criteria...their own website returned a rate of 7%. Nothing changed. Needless to say I applied to another credit union and am very satisfied. DO NOT TRUST THIS CREDIT UNION! YOU HAVE BEEN WARNED,
Recommendation: Not even worth a visit