Credit Card Center Advertiser Disclosure

Frequent Contributor
Posts: 465
Registered: ‎05-14-2008
0 Kudos

Associated Credit Union - GA



I'm considering joining this credit union out of GA.  Anyone had any experience with them?  If so, I'm curious about the following:


1.  Are they liberal or conservative in their lending practices?
2.  What CRA do they pull?
3.  How do you rate their customer service on a scale of 1-10 with 10 being THE BOMB!
4.  If you've had any of their products, i.e., credit cards, LOCs, etc. for a period of time, how have they been regarding CLIs.?
5.  What type of credit line did you receive?  What were your scores at the time?  What were your baddies, if any?




Adam's Eve

Posts: 80
Registered: ‎08-07-2008
0 Kudos

Re: Associated Credit Union - GA

[ Edited ]
They are very conservative. I only have 1 two year old baddie on my report and I can't get approved for them with my scores. They pull EQ and I had at least a 750 at the time of my app. The customer service is good, even though they couldn't help me with a credit card. They did try to give me a car loan. Even offered to bring the car to me to test drive and bring the paperwork to sign the papers. (I told them I worked during the hours of their CU carfinder dept. and couldn't make it there) I didn't end up buying a car though. There is no instant decisions on anything, all loans have to be reviewed. I would guess you have to have a clean EQ report to get a credit card but I don't know how the limits they give out are obviously. I found an in to NFCU and transferred all my business to them after I did the trifecta with NFCU and got $28,500 in credit instantly. Hope this helps.
Message Edited by TerrenceATL on 09-26-2009 05:34 AM
6/1/2008 EQ -634
9/12/08 EX 691 * TU 689
10/02/08 EQ 677
11/11/08 TU 669 * EQ 668
1/15/09 EX 759 * EQ 788
9/24/09 EQ 761 * EX 729 (from NFCU loan app) * TU 666
Frequent Contributor
Posts: 465
Registered: ‎05-14-2008
0 Kudos

Re: Associated Credit Union - GA

Thanks a bunch...Very helpful!

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.