What are the pro’s and cons of using Navy Federal vs other banks? What experiences have yall had with Navy Federal or non Navy Federal banks?

I am trying to optimize the amount of money that goes into my high yield savings account. Navy Federal doesn't have a high yields savings account, so I have to transfer the funds to another bank. This is inefficient.

However, losing funds to a financial shutdown is also inefficient, so its maybe worth it anyway? Are there other reasons to use Navy Federal as a navy member other than government shutdown assistance?

Also just curious whether yall have switched away or want to switch to Navy Federal (assuming you have switched) and if so, why?