u/Interesting_Gap3088

I’m 16 and been deep in a financial rabbit hole figuring out what accounts are actually worth having when I turn 18. Been with Navy Federal since 2024 and love what they offer especially the 2% cash back card at 14-18% interest but their savings and checking rates are hard to ignore compared to something like Fidelity CMA.

Not sure if I should keep my account open for the relationship and loans down the road or if it even makes sense to maintain both. Since I’ve been with them for a while I was also thinking about getting my first credit card through them. For those of you who have been members long term how do you balance Navy Federal with a high yield account and is the relationship actually worth keeping?​​​​​​​​​​​​​​​​

I’m 16 and been deep in a financial rabbit hole figuring out what accounts are actually worth having when I turn 18. I’ve been with Navy Federal since 2024 and they offer a great 2% cash back card with a 14-18% interest rate, but their savings and checking rates are rough compared to something like Fidelity CMA.

I was wondering if I should keep my Navy Federal account open for loans later down the road but I’m not sure if I should just close it or keep it open. And since I’ve been with them for so long I’m also looking at getting my first credit card with them. How do I balance out which account I should actually be using?​​​​​​​​​​​​​​​​