I have been a USAA member since 1990, and always checked their mortgages against NFCU and Pentagon FCU each time I bought a house. USAA lost out on rates easily each time. I have now had about 7 mortgages with PFCU and I can say their rates, variety of products, and customer service are the best. They usually beat NFCU by about 0.5% or so, and have more options usually. My two cents...