11-05-2013 12:16 PM
What are your opinions of DCU? I've been a member for about a week now and I have to say I am less than impressed. I have seen other posters say that a represenative has contacted them when they opened a account/loan, I have not received a call from 1 single person and I have opened a account and a auto loan. I was also approved for a DCU Visa Plat. Rewards. Their customer service seems to be horrible and I do not have locations around where I live and I have to say I'm started to get worried that if there are problems they will be hard to take care of. Should I forget DCU even though I have the Visa with them? It has a $6000 limit and is by far my largest CL. Should I cancel the auto loan application? What have been your experiences with DCU?
11-05-2013 05:38 PM
11-05-2013 08:13 PM
I've found them to be excellence to deal with. I'm lucky that they have branches about 45 minutes from me. Checking, saving and 1.9% auto loan. So far so good!
11-05-2013 09:57 PM
The best CU in USA. Perfect online banking website. Good cc no cash advance fee. You can move all your credit to your checking A/C and no any fee.
11-06-2013 05:24 AM
I wouldn't necessarily be disappointed that DCU hasn't called you. I joined one credit union because I was in the town that they had a few branches a lot, but the call was trying to find out how they could transfer my accounts to them, but since I'd already gotten a low-rate mortgage, and a zero-rate car, there wasn't much they could do for me.
Anyway, that being said, one of the best things about DCU is their accessibility. Website has been great, backed by Fiserv, similar system to small banks used nationwide. There is the mobile app. Also check out the Co-Op Shared Branches where you can walk in and make many transactions as if you were in MA: http://www.co-opsharedbranch.org/
I joined many years ago when I worked for Digital. Now others can join through their FoM, or join an organization for a small donation.
I don't always use DCU, but when I'm looking for a financial product, I do check them out. Their rates sometimes are the best out there, and their reps over the phone have always been great. I refinanced my car with them and it was easy. At the time I was earlier in the rebuilding phase, but the underwriter took my 15+ years of membership into consideration and approved the advertised 1.99% rate.
Getting your check direct deposited gets you paid early - I see the funds on a Wednesday evening for a Friday morning payroll.
With the Visa, I get the Equifax FICO score monthly.
I recommend them highly!
11-06-2013 06:32 AM
They also pull Chex
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.