<p>Son has accounts with both USAA and NFCU, checking and credit. Both offered EXTREMELY competitive rates for CC. Once a member of the family is a NFCU member the rest of the family is also eligible for membership. So other sibling’s definitely benefitted from son joining. Again extremely competitive credit card rates for college students (7.9), no balance transfer fees and a new offer for 5.9 for transfer for the life of the balance with no transfer fee which is lower than other sibling’s student loan rates.</p>
<p>NFCU offered great car loan rates as does USAA. All sibs have USAA accounts as well. Can’t say enough about either company. Car insurance is also through USAA, been a member for 28 years and my dad (auto, life, house, IRA and god knows what else) has since dirt was invented!</p>
<p>Also as far as credit cards (MC, Visa and personal loan) NFCU is very generous. No balance transfer fees and great low APRs. Also decent reward cards. Checking is easy, son has auto deposit and withdrawl with his NFCU and USAA checking and cc are all linked electronically between sibs and parents.</p>
<p>Hope this helps.</p>
<p>Kat</p>