I work for this place. Last paystubs and id needed for loan application but please take your business elsewhere. MCU is a hit or miss Credit union. It all depends on which loan officer is reviewing your application and the mood he is in. You are better off with capital one or Nefcu. Conservative lender by far. Employees are decline for rediculous reasons. I am not sure this MCU is the only CU that does this. As an employee I advised people to proceed with caution. If you have good scores and good income with a good history give them a try otherwise I haven't seen people get approval easily lately.
I was just approved for the Platinum Visa, it took some work. Tried 3x for a card with them, and 3rd time was the charm. When I first applied my CR was messy and scores were close to or slightly over 600 (so I do understand their reason for denial, kind of ). They really don't seem to be one of the more forgiving and I'll give you a chance CU's. My first denial, I literally had to pull teeth to get them to give me the reasons for denial which took over 30 days, and a reminder that by law they need to supply this info. I applied for the Visa as a last ditch effort a couple weeks ago since I was going to close the account.
@pip3man wrote:
@Rain77 wrote:I was just approved for the Platinum Visa, it took some work. Tried 3x for a card with them, and 3rd time was the charm. When I first applied my CR was messy and scores were close to or slightly over 600 (so I do understand their reason for denial, kind of ). They really don't seem to be one of the more forgiving and I'll give you a chance CU's. My first denial, I literally had to pull teeth to get them to give me the reasons for denial which took over 30 days, and a reminder that by law they need to supply this info. I applied for the Visa as a last ditch effort a couple weeks ago since I was going to close the account.
question the platinum visa they approved u for how generous were they with the CL? I will try them one more time in December when my new accounts hits the 6 month mark and if they dont give in, I am closing my share savings and checking account without reservation. But on the flip side, when they offered me the $2k loan my EX score was somewhere between 570-590 (very low). I just find it absurd that they will deny me cos my then $25k income was "too low" according to them (for a $2k loan). I think their denial was more on the fact that I was working part time than the fact that I was grossing $25k. Cos I remember when I was with the loan officer lady she kept emphasizing on my working part time before she left the desk and only to come back to tell me they retracted my approval. I saved myself from dealing with a 15% APR but that's by the way. Don't care bout them no more... enjoy ur new credit with MCU and hope the experience turns out rewarding!
My limit is $7400. I was surprised it was that much and more surprised they pulled TU. Maybe you can see if you can get into SEFCU. They pulled EQ for me which was and is my best report/score.
If you want to join a credit union without any requirements look into USAlliance FCU. Go down to 31st street between 8th & 9th. (DO NOT APPLY ONLINE) That locaiton has an underserved charter where it allows anyone who lives or does business in NYC to join.
I work there so i expect to see some of you soon! 
Starting Score: 575 (As Of Early 2011)