I've had a Navy Federal account since I was 2 years old. I've lived all over the USA and even spent a few years in Germany and haven't found a better bank to do business at.\n\nIn reading the reviews and seeing the low scores I have to try and balance them out by providing a positive perspective. \n\nFirst off the lines...for the longest time this was the only location in the state and all the Military personnel who get paid on the same day rushing out to bank caused those lines. I avoided the lines by not going on popular days like Friday-Monday. Try going mid week or off hours and you can practically walk to the head of the line.\n\nThe complaints on the staff seem out of place as well. I've always been greeted at the door by a hello and a smile. At the counter the tellers are equally as approachable and willing to go the extra mile for you. \n\nThe ATM out front is well lit and easy to use. It does almost everything you will need once you are inside so if you see there is a line go back outside and complete your business.\n\nI haven't been to the new location yet but that should help elevate some of the line concerns. Even if it doesn't I think the most time I've spent on line has been ten minutes.\n\nAlmost forgot, it is a credit union and their rates on loans and mortgages are phenomenal.  If you qualify for one you will have a hard time beating them.