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Official Credit Unions Guide

Community Leader
Super Contributor

Re: Official Credit Unions Guide


lhcole77 wrote:

CreditLuv wrote:
Nope, the MAX PLOC (you call it a CLOC) or NavCheck amount is $15,000. You can't request any more than that amount.

The POI part is really based on your credit score, income, UTI, and relationship with NFCU. Some people get POI pulled on them and others nothing.

If a UTI is a factor, then my sister is going to score big with them Smiley Tongue


😂😂Let's hope he accidentally forgot to add the L at the end of that.

Message 81 of 563
Valued Contributor

Re: Official Credit Unions Guide

^^^ lol it's not your business to count swipes.

Seriously though I'm going to with alliant after reading the information here
Open one, close three. Open one, close three.
Message 82 of 563
Community Leader
Super Contributor

Re: Official Credit Unions Guide

Good choice fordguy! Wish I had known about them years ago! They will always be my main banking hub!
Message 83 of 563
Community Leader
Super Contributor

Re: Official Credit Unions Guide

Ok folks. Any recent data on GTE Financial, Lake Michigan CU and Logix? Any current members here?
Message 84 of 563
Frequent Contributor

Re: Official Credit Unions Guide


baller4life wrote:
Ok folks. Any recent data on GTE Financial, Lake Michigan CU and Logix? Any current members here?

I am member of Lake Michigan CU and GTE Financial for more than a year now. They both are very very conservative. 

I have both savings and checking and direct deposit with them for a year, but never got any pre-approvals on any of their products despite being having clean profile!!

 

Both use chex system for membership. GTE uses EQ, LMCU uses TR.

FICO 8: TU-787 EX-768 EQ-757 Total Credit Limit: $647,750
Message 85 of 563
Community Leader
Super Contributor

Re: Official Credit Unions Guide


maestro07 wrote:

baller4life wrote:
Ok folks. Any recent data on GTE Financial, Lake Michigan CU and Logix? Any current members here?

I am member of Lake Michigan CU and GTE Financial for more than a year now. They both are very very conservative. 

I have both savings and checking and direct deposit with them for a year, but never got any pre-approvals on any of their products despite being having clean profile!!

 

Both use chex system for membership. GTE uses EQ, LMCU uses TR.


Thank you very much. LMCU has super high checking rates last I saw. But, I have always heard they are extremely hard to get an approval with. I was hoping they had loosened up like Penfed! Oh well....lol.

Message 86 of 563
Frequent Contributor

Re: Official Credit Unions Guide


baller4life wrote:

maestro07 wrote:

baller4life wrote:
Ok folks. Any recent data on GTE Financial, Lake Michigan CU and Logix? Any current members here?

I am member of Lake Michigan CU and GTE Financial for more than a year now. They both are very very conservative. 

I have both savings and checking and direct deposit with them for a year, but never got any pre-approvals on any of their products despite being having clean profile!!

 

Both use chex system for membership. GTE uses EQ, LMCU uses TR.


Thank you very much. LMCU has super high checking rates last I saw. But, I have always heard they are extremely hard to get an approval with. I was hoping that had loosened up like Penfed! Oh well....lol.


I guess Consumer Credit Union has best checking too - https://www.myconsumers.org/personal/checking/free-rewards-checking.html 

Consumers is a TU puller.

FICO 8: TU-787 EX-768 EQ-757 Total Credit Limit: $647,750
Message 87 of 563
Community Leader
Super Contributor

Re: Official Credit Unions Guide

Yes I have looked at Consumers too. Especially when I was on the hunt for TU pullers. Do you know how conservative they are?
Message 88 of 563
Frequent Contributor

Re: Official Credit Unions Guide


baller4life wrote:
Yes I have looked at Consumers too. Especially when I was on the hunt for TU pullers. Do you know how conservative they are?

They are not that conservative. When I applied for their credit card few months ago, I had too many new acounts and lots of inquiries, still they gave me 10K in credit with their lowest APR!!  

 

Their CSRs are super friendly and nice to work with!!

FICO 8: TU-787 EX-768 EQ-757 Total Credit Limit: $647,750
Message 89 of 563
Community Leader
Super Contributor

Re: Official Credit Unions Guide

Hmmm is that so? I may need to look at Consumers again! Thanks maestro! 😆
Message 90 of 563