Hi Everyone,
I'd like a little bit of advice. After reading the threads here on DCU, I am thinking of leaving the garden to join. My scores are EX 637 EQ 649 TU 653. My current loan is with Cap 1 @ 9.06%. According to the calculator on their site, I could either save $60 a month on my payment with the same term, or go up $14 and have it paid off a year sooner. Does anyone know what scores are required to get the 1.24%? Should I go for it?
You'll need +675 in EQ for their 1.24% rate.
Thanks Lexie. I don't think I'll be able to get there in time (i.e. this week lol). We are going to do a mortgage in January, so if I apply, I'll have to do it now so I'd have no new accounts for 6 mo. What to do, what to do....
@DrZoiberg wrote:
@09Lexie wrote:You'll need +675 in EQ for their 1.24% rate.
You also need to be a member with the checking and auto draft, otherwise it's 0.50% more. I got the "1.24%" rate but it's 1.74% because I don't have the checking and such.
Gotcha. I don't mind opening up an account there. I saw on some thread that direct deposits hit 2 days early...that would be great. I have USAA and get them a day early...an extra day would be awesome.
I was told 680 EQ when I applied at a local DCU branch for a car loan, I barely made it with a 692 score...
Aw...okay. Maybe I'll call or something. I'm not near 680 on EQ. Thanks everyone!
ETA: Just got off the phone with DCU. I was told with my score, the rate would be 4.24% or 3.74% with direct deposit and auto wd. That's not too bad...better than 9%!
@prettylady wrote:Aw...okay. Maybe I'll call or something. I'm not near 680 on EQ. Thanks everyone!
ETA: Just got off the phone with DCU. I was told with my score, the rate would be 4.24% or 3.74% with direct deposit and auto wd. That's not too bad...better than 9%!
Remember, two HP's on EQ. Good luck and keep us posted.