Navy fed is a good choice...other banks are gonna base it in part also on what your buying. Everybody talking about 4, 5, and 6% loans probably have really good credit. If you have bad credit I would expect to have a higher rate even with a cosigner. Most people with bad credit are just glad to get approved. It all depends on how bad your credit is. I would go with navy fed first..I have seen them approve some pretty low scores and they have the same rates for everyone thats approved weather your score is great or a little low.