How to get in with a CU?

Laurenlou · ‎08-29-2008

I keep reading about how CU are good to get in with when trying to rebuild. How do I find a good CU? Should I app online for a CC or go in? Do I have to set up a checking account with them? Theres one near me called EECU, but I can't find any info on them on whogavemecredit.com.

spiritcraft1 · ‎08-29-2008

I see your EX score is best... Is it clean? I ask because with some improvement, you might look into Patelco... they pull EX. Do some searches for Patelco Credit Union

$30k, approved for 15k 10/11/21 @ 807 EX FICO 08 - 61 day 2x cli

$15k, approved after 2 weeks 5/21 @ 698 EX FICO 09 Bankcard

$19k, started as a $5k secured card in 2016 @ 408 FICO, unsecured 12/18 @ 600 FICO

$10k (10/23) @ 785 TU08 - Denied, Approved after Recon

$10k - approved (12/19) at $1k @ 648 FICO

Biz |

Business $9k - 04/06/21 @ 686 SP FICO, 61d 3x CLI to $9k

Business $28k - 07/6/21 @ Instant 689 SP FICO

Business $15k - 03/1/22 @ Instant 795 SP FICO

$15k Biz 2% card, approved after 5 days 7/21 @ 685 EX FICO 09 Bankcard, 93 Biz EX score

$25k Biz instant approval 10/21 @ 790 EQ FICO, 99 Biz EX score

$23k Biz instant approval, ID Verification 10/22 @ 802 EX FICO

$14k Biz instant approval 10/22 @ 802 TU FICO

Elan Hawaii National Bank Biz Visa- $8k instant 10/22 @ 806 TU FICO

US Bank Triple Points Visa - $20k in branch 11/3/22 @ 809 TU FICO, 1/12 new accounts, no USB history

Elan Business Visa from Midland Bank for new LLC, Instant $17k 11-22

PNC Business Visa for new LLC, $15k, took a week. EX 820 HP! 11-22

FNBO Evergreen Business MC for new LLC, $13.7k, instant EX HP 805 EX BC09 4-22

Chase Ink Premier $8.8k Flex, $44k Spend, instant EX HP 756 | 09-23

Barclays AA Business MC - Measly $2k SL but got the 80k Sub, 819 TU | 03-23

Current F08 -

Current 2,4,5 -

Current F09 -

No PG Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k, B&H Photo, $5k

llecs · ‎08-29-2008

Laurenlou wrote:
I keep reading about how CU are good to get in with when trying to rebuild. How do I find a good CU? Should I app online for a CC or go in? Do I have to set up a checking account with them? Theres one near me called EECU, but I can't find any info on them on whogavemecredit.com.

There's many nationally recognized CUs mentioned here like NFCU, USAA, Justice, Penfed, Patelco, Christian Community CU, NASA, and others. Anybody can join any of these, with the exception of the first two (unless in uniform).

You usually have to fork out money to put into a share account, even as little as $5. Some memberships require you to join this org. or that, if you have no other means to join like family members who are members, etc. You can check each website for membership requirements. Once you join then you can app. And you can do so online for the above.

Then there are your local CUs. I never heard of EECU. But I'm sure they are good.

Anonymous · ‎08-29-2008

The CUs around here let people app for things without opening an account. If they offer and you want the card, you have to open an account at the point. The two I use offer no fee savings accounts, one with a minimum of $25 balance, the other with $500 balance. Checking accounts were optional in both cases.

If you're worried about qualifying for a credit card, I would print off the credit reports and go in and talk about it. Maybe they can give you a good idea of whether you'll qualify without having to check your credit. If it's a strong no, then you won't have to get dinged for an inquiry for nothing. Another option would be a secured card that is reported.

scramblingin2007 · ‎08-29-2008

I apped for a loan with my local cu. They gave me such a great rate and were so friendly that I have also opened up a checking and savings with them. I am also going to get my car loan through them as well.

SherriLynn · ‎08-29-2008

When I moved to Arizona, I joined the Arizona State Credit Union. I thought you had to work for the state or something, but you just have to live in AZ. It's been great and is currently offering 5% interest on my savings account. I'm planning on applying for their credit card next year, if I can wait that long!

08/08 FICO TU649 EQ645 EX639
12/08 FICO TU665 EQ672 EX667
03/09 EQ650
App-free since 01/29/09

Anonymous · ‎08-29-2008

Wow I love that 5% on the Arizonia CU wow stick with them, credit unions are the best Gl on your search im with NFCU in which you have to qualify by family in order to open!

TangMeister · ‎08-30-2008

@Anonymous wrote:
Wow I love that 5% on the Arizonia CU wow stick with them, credit unions are the best Gl on your search im with NFCU in which you have to qualify by family in order to open!

NFCU rocks!