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Established Contributor
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Registered: ‎08-07-2012
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Best CU for benefits,DFCU or NFCU?

Which of these two Credit Unions have the best reward benefits and offer highest credit limits? And which of the two put up the fewest obstacles to membership and credit card approval ie pay stubs,multi credit pulls, high credit score ect?

EQ-732FICO,EX-PLUS 740,TU-725FICO
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Re: Best CU for benefits,DFCU or NFCU?

[ Edited ]

I dont see whats wrong with givin them income proof...

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Re: Best CU for benefits,DFCU or NFCU?


jsickz32 wrote:
I dont see whats wrong with given them income proof...

I agree nothing wrong with it. Convience was the point i was making..

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
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Re: Best CU for benefits,DFCU or NFCU?


MountainHiker wrote:

jsickz32 wrote:
I dont see whats wrong with given them income proof...

I agree nothing wrong with it. Convience was the point i was making..


Whats inconvinient about it?  I always keep my most recent paystub and of course I have last years filed taxes.  A simple scan and hit send on the computer will go to whoever I want it to

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Re: Best CU for benefits,DFCU or NFCU?


MountainHiker wrote:

Which of these two Credit Unions have the best reward benefits and offer highest credit limits? And which of the two put up the fewest obstacles to membership and credit card approval ie pay stubs,multi credit pulls, high credit score ect?


NFCU top them all.  Offer the highest limits without needing that blinging high credit score.  They are HP happy but most of the time the HP is worth it with them.  Rewards on CC's ehh are so so with average 1% cash back

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Senior Contributor
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Registered: ‎05-05-2011
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Re: Best CU for benefits,DFCU or NFCU?

I'm not familiar w/DFCU. But Navy seems to be one of the best CUs. They are big w/hoop-jumping, though. Some people get huge CLs w/o having any proof of income, waiting period, etc. Others, like myself, have to jump through numerous hoops. Some end up with multiple HPs on one or more CRs because they are "HP Happy." That said, it is definitely worth the hoop-jumping for their generous CLs and peace of mind that they don't do FRs or CLDs like other CCs.

 

 

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Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Valued Contributor
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Re: Best CU for benefits,DFCU or NFCU?

I love NFCU so far but I'm partial.


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Valued Contributor
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Registered: ‎06-25-2012
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Re: Best CU for benefits,DFCU or NFCU?

DFCU and NFCU both have treated me very well. Ive send both paystubs and taxes just so they dont ask me for them later on
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Established Contributor
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Re: Best CU for benefits,DFCU or NFCU?


jsickz32 wrote:
DFCU and NFCU both have treated me very well. Ive send both paystubs and taxes just so they dont ask me for them later on

Having both of these cards in my wallet appeals to my good judgement. I like my Chase card and the game plan is to add a Discover card in march.Around the same time I would like to include NFCU. In the mean time I hope to grow my limit with DFCU. Their services seem excellent.

EQ-732FICO,EX-PLUS 740,TU-725FICO
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NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Moderator Emeritus
Posts: 12,886
Registered: ‎12-30-2011
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Re: Best CU for benefits,DFCU or NFCU?

Being a member of DCU, I'm not certain why (other than freebie FICO score) and good rates on loans and what not, and a reasonably decent web interface, that they really outpace the average CU with the possible exception of their online interface.

 

NFCU on the other hand may be one of the most advantageous lending institutions to be a member at, at least in the current market and economy.

 

Much as DCU has been good to me personally (more than happy with my auto loan and my secured card simply works); if I had NFCU access I wouldn't be dealing with DCU in the first place I don't think, and that's even with my having banked with DCU back in 2000-2001 and still having an account dating back to that time.

 

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
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