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I wish more CU's were like Penfed with real Pre-Approvals instead of these Pre-Selected Offers. They are nice to get if nothing more than to let you know your credit is getting better. Xcel must have change their scoring system? I forgot to ask the loan officer what FICO scoring model they use now. It's not the old FICO mortgage score, thats for sure! NASA FCU is still using the old scoring model.
I'm guessing FICO 9 EX from the current score posted. For those that may be interested in this CU.
OMG Gmood, you and you're CUs! I love it. I'm only at two (Bethpage and Vantage) so far, and still have DCU and Andrews to add, possibly this week, which will take me to four. I was also looking at Alliant for their 3% VS sometime down the line. How many are you a member of?
ETA:
Oh snap, I forgot about SDFCU! I think it's time for a spreadsheet. I losing track of some of my accounts.
@LadyJEsq wrote:OMG Gmood, you and you're CUs! I love it. I'm only at two (Bethpage and Vantage) so far, and still have DCU and Andrews to add, possibly this week, which will take me to four. I was also looking at Alliant for their 3% VS sometime down the line. How many are you a member of?
ETA:
Oh snap, I forgot about SDFCU! I think it's time for a spreadsheet. I losing track of some of my accounts.
Ha ha 😀,
I lose count myself! Uhh..let's see I have
Credit Unions
1) PenFed FCU
2) Navy Federal FCU
3) SDFCU
4) Bethpage FCU
5) NASA FCU
6) First Tech FCU
7) Xcel FCU - gives 2.0% APY up to $25k for rewards checking.
8) Alliant FCU
9) Andrews FCU
Banks
1) Ally
2) SunTrust
3) USAA
4) New Buffalo Savings - gives 2.27% APY up to $35,000 for rewards checking with no fees.
5) Capitol One
6) Charles Schwab
7) Fidelity investments
Yeah I know..it's ridiculously! lol
I've closed several that weren't proactive with their members.
You sir, have earned yourself another bookmark! I thought I had it good with Bethpage's 1.0% APY, but I see I can do better! How did you find so many lucrative CUs? I could be earning so much more. Darn, more research!
Current lineup:
CUs:
1. SDFCU
2. Bethpage
3. Vantage
Banks:
1. PNC
2. Fidelity
3. Chase (about to close and split amounts between Bethpage and Vantage)
ETA:
Dang, forgot another......4. American Funds. Yeah, time for a spreadhseet.....
Well LadyJ it's your lucky day!
Here's the website I use as my Bible for checking and savings accounts.
This link is rewards checking accounts, but you can search for any type of accounts here https://www.depositaccounts.com/checking/reward-checking-accounts.html
You, after that post:
What's Andrews like as a CU? I could stand to add another. Right now I have (CUs only) NFCU, PenFed, SDFCU, Apple and NASA.