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JFCU

Regular Contributor

Re: JFCU


wreith wrote:

Do they require a HP for membership?  I am eligible for membership based on employment.


Yes. They pull Equifax. 

Total CL's combine: $150,600.
Message 11 of 25
Valued Member

Re: JFCU

JFCU interest rates range from 11.9 - 16.9% for Visa CC. Many credit unions are offering rates under 10%. Sometimes PIF is not an option.

No interest in low interest rate credit cards?
Message 12 of 25
Regular Contributor

Re: JFCU


MoneyPurchaseOptions wrote:

JFCU interest rates range from 11.9 - 16.9% for Visa CC. Many credit unions are offering rates under 10%. Sometimes PIF is not an option.


They are also offering personal loans at 7.90% up to 60 months. 

Total CL's combine: $150,600.
Message 13 of 25
Frequent Contributor

Re: JFCU

 


Yes. They pull Equifax. 


Thanks, then I will hold off til next year as I want some of my HP's to age off.

01/06/2015 Walmart TU 726
01/06/2015MyFico EQ 705
01/10/2014 USAA FAKO EX 728, EQ 728, TU 728
Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $12K, CareCredit $13.2K, Chase Freedom $5000, Walmart $4500, Lowes $9800, QVC $1200, HSN $2350, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $4K, Sam's Club Discover $8500, Home Depot $7200, FNBO AMEX $7800
Message 14 of 25
Valued Contributor

Re: JFCU


gettnthere wrote:

@crashem, are they a conservative lender or are they typically pretty generous with CL?


Don't know if I consider them conservative or generous.  I think they have decent but not high high lending standards.  Pretty typical for CU I would guess and they are Equifax puller.  There is a max 30k starting limit for new members for CC or other revolving line.  I got the 30k with income proof right off the bat with their JLOC product that has some unique features (which I won't broadcast).  I find them easy to deal with.  Their rates on their loan products are decent.  Not the lowest I have seen but very competitive.  Think 2.49% for auto and 7.9% for personal loan.   Free Checking.

               LIMITS IN CARD DESCRIPTIONS
Message 15 of 25
Valued Contributor

Re: JFCU


wreith wrote:

Do they require a HP for membership?  I am eligible for membership based on employment.


If you are in law enforcement, might not be bad idea to be supportive of them.  My JFCU ATM card has already gotten me out of a ticket!!

               LIMITS IN CARD DESCRIPTIONS
Message 16 of 25
Frequent Contributor

Re: JFCU

 


If you are in law enforcement, might not be bad idea to be supportive of them.  My JFCU ATM card has already gotten me out of a ticket!!



I work for the DHS, not the most liked agency out there, but I enjoy job most days.

01/06/2015 Walmart TU 726
01/06/2015MyFico EQ 705
01/10/2014 USAA FAKO EX 728, EQ 728, TU 728
Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $12K, CareCredit $13.2K, Chase Freedom $5000, Walmart $4500, Lowes $9800, QVC $1200, HSN $2350, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $4K, Sam's Club Discover $8500, Home Depot $7200, FNBO AMEX $7800
Message 17 of 25
Valued Contributor

Re: JFCU


wreith wrote:

 


If you are in law enforcement, might not be bad idea to be supportive of them.  My JFCU ATM card has already gotten me out of a ticket!!



I work for the DHS, not the most liked agency out there, but I enjoy job most days.


I for one appreciate the work you are doing for us.
               LIMITS IN CARD DESCRIPTIONS
Message 18 of 25
Valued Contributor

Re: JFCU


wreith wrote:

 


If you are in law enforcement, might not be bad idea to be supportive of them.  My JFCU ATM card has already gotten me out of a ticket!!



I work for the DHS, not the most liked agency out there, but I enjoy job most days.


Btw, pm me if you want referral to join. Worth $25 bucks to you and like $50 to me.
               LIMITS IN CARD DESCRIPTIONS
Message 19 of 25
New Member

Re: JFCU

They do not report to Transunion for me.

Message 20 of 25