What is PenFed's problem

Their customer service has only been adequate. Using their car buying program, I did get a 4 year car loan in 2015 whose rate was 1% lower than the then average interest on savings. The car price was great and the loan got approved right away. I also have their CC and like others here, only use it for the gas 5% cashback rewards. I renewed various certificates in late 2018 when their rates were 3.5% which was actually a bit lower than some other CUs but more convenient. I wont be staying with them unless their rates will be more competitive.
 
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