I applied over the phone for the Flagship Visa and nRewards MC and the Navcheck LOC. I dunno if they have a particular cutoff score, but a csr told me (as of about 8 months ago) their grade syatem is:
D- : 550-559
I think there have been posters here who have been approved with a 610 score. You might wanna do a search on that. NFCU pulls EQ exclusively.
I did all my app online (except my car re-fi) with NFCU. I was approved for a CashRewards Visa $1,200 CL & a week later a GoRewards MC $1,000 CL. My scores were just under 600 at that time. I got them in the mid 600s when I did the car re-fi. My last thing from them was the LOC which I didn't realize my score had dropped just under 600 again due to all my new accounts hitting my report & was approved for $500 but that is all I asked for.
They definately seem to be the most forgiving/generous of any lenders out there esp these days.