The time is finally here. Ill process my membership application and setup my checking and autodeposit. Will wait until Nov 7 to app for credit products as that will be when my updated utilization reports.
We know it's been a long time coming 
Can't wait for some great news!
The waiting for UTIL to come down is killing me. But only a couple more weeks until I app and after Ive waited since June a couple of weeks isnt so bad. I'll be able to have 6 full months of banking with them prior to applying for refi with them so it should all work out.