Can I be approved for a DCU membership & credit card w/610 FICO?

[CH-7-Mission-Accomplished]

Thanks for this great site.  This is my first post.  I filed Ch. 7 in 8/2013, discharged 11/2013.  My Equifax FICO score is 610.  I want to get a secured credit card but per the advice on here, want to get membership approval first.  I have seen comments on here that say you might need a 650 for membership, and elsehere that high 500's is okay.  Has anybody gotten a membership (not a secured or unsecured card) with a credit score below 650?  I have one secured card ($1200 Open Sky) and have just opened a second credit builder fixed for the mix.  All old accounts show iib.

The reason I am confused about the relatively high score of 650 comments for membership is that numerous articles (Money, CNN) say that DCU is one of the best places for getting a secured card after BR.  Not many people have a 650 very soon after BR .... Thanks again!

OP,

I started a new thread for better exposure.

~Lexie, myFICO Moderator 

[Mike11208]

I would like to know the same. so a bump for the OP.

[dursty87]

I was approved for membership with a 597? Fico. I didn't get approved for any of their products at the time so I haven't done anything with the account. I had some baddies just not a bk so I don't know how that could affect membership. Good luck.

[virgo]

DCU requires a 640 Equifax. They use the Beacon scoring model.

I  don't know how they look at badies but I do know they don't want to see alot of new accounts no matter what your score is. Hope this helps

[destine2grow]

This is good to know. I did not know you needed a good score to open a checking account. I do want an account with DCU. I am waiting into June of next year.