Reply
Regular Contributor
Posts: 197
Registered: ‎07-26-2012
0

Best Credit Unions out there

Hi everyone,

 

I'm looking to join a couple of credit unions & currently researching the best in terms of generosity in offering high initial CLs, generosity in CLIs, little/no documents hectic etc. I'm not qualified for NFCU so apart from that, here's a quick list I gathered from this forum:

 

PSECU

NASA

USAA

Penfed

Walmart Discover $10,000... Chase SW $8,500... Freedom $7,000... CSP $6,000... Amex Delta $3,000... Amex BCP $2,000... Local CU $1,500...
Frequent Contributor
Posts: 431
Registered: ‎08-31-2007
0

Re: Best Credit Unions out there

USAA is not a credit union

New Contributor
Posts: 55
Registered: ‎10-10-2012
0

Re: Best Credit Unions out there

DCU, they approved my for my first $5k limit CC.  Highest limit before that was my Walmart at $1600.

April 2013 FICO Scores
Experian - 709 Chase Freedom Pull
Equifax - 788 BofA MLB Rewards Pull
Trans Union - 778 (GE Money Bank CLI scores)

In the Garden until at least 2014 to let the new accounts age and HP's fall off. 800 club here I come...
Valued Contributor
Posts: 1,142
Registered: ‎05-17-2010
0

Re: Best Credit Unions out there


cowboyguy wrote:

Hi everyone,

 

I'm looking to join a couple of credit unions & currently researching the best in terms of generosity in offering high initial CLs, generosity in CLIs, little/no documents hectic etc. I'm not qualified for NFCU so apart from that, here's a quick list I gathered from this forum:

 

PSECU

NASA

USAA

Penfed


PSECU is closed to out of staters unless you have a family member who is a member.  

USAA, as mentioned before is not a CU.  

 

I'm a member at DCU and they offer generous starting limits.  I was initially approved for $500 at Alliant, but that was increased to $15K after 6 months.  

Valued Contributor
Posts: 1,569
Registered: ‎11-10-2012
0

Re: Best Credit Unions out there

USAA is not a CU, but that just means that anyone can join. They are, however, very generous when it comes to approval rates and CLs.



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
0

Re: Best Credit Unions out there


cowboyguy wrote:

Hi everyone,

 

I'm looking to join a couple of credit unions & currently researching the best in terms of generosity in offering high initial CLs, generosity in CLIs, little/no documents hectic etc. I'm not qualified for NFCU so apart from that, here's a quick list I gathered from this forum:

 

PSECU

NASA

USAA

Penfed


PenFed also have very strict underwriting requirements for many of their cards, so that might not match what you are looking for.

Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
0

Re: Best Credit Unions out there


KausticRage wrote:

DCU, they approved my for my first $5k limit CC.  Highest limit before that was my Walmart at $1600.


+1

 

DCU gave me $7500 right out of the gate so I am definitely a fan of them :smileyvery-happy:


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Valued Contributor
Posts: 1,541
Registered: ‎08-30-2012
0

Re: Best Credit Unions out there

NFCU, if you can get in.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
0

Re: Best Credit Unions out there


madmann26 wrote:
NFCU, if you can get in.

The OP said, in his OP:

 

I'm not qualified for NFCU so apart from that

 

 

 

Valued Contributor
Posts: 2,658
Registered: ‎06-05-2008
0

Re: Best Credit Unions out there

Definitley Penfed.  And if you are qualified, USAA, even though it's not a CU, per se.  It also would be smart to forge a relationship with a small, local CU.  Sometimes there's no substitute for walking in and meeting with the person handling your decisions.

3-26-15: FICO EXP: 814 - EQU:813 - TRAN: 809 - AVG: 812 +262 points from JUN 2008 - MY CREDIT JOURNAL

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 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.

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

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.