08-26-2012 10:30 AM
I currently have BOA and was planning on closing my account and going with a credit union but not sure which one is good.
I use to belong to VEFCU https://www.vonsefcu.org/ but after not using it for a while was closed down in 2004.
I don't mind going back to VEFCU but IM sure there going to HP CR if that's the case might as well shop around.
Found this so far http://www.alliantcreditunion.org/
Any recommendation ?
08-26-2012 10:38 AM
If you are in PA and eligible PSECU is great. I've heard great things about PenFed although they are very conservative.
08-26-2012 10:40 AM
Sounds like you need a bank replacement solution. I think Alliant has good bank replacement product. I believe they participate in the shared branch network where you can go into participating CUs and bank there. If you do most of your banking remotely (ie via phone/internet), lots of good national CUs such as Alliant that work well. Their policies on check clearing and lack of fees is great. Just make sure anyone you are considering has good ATM policies (in a lot of ATM networks or foreign ATM rebate policy), participate in shared branch CU, and hopefully have the remote check deposit via internet/mobile phone where you can deposit check by taking a picture of it.
Other option that looks interesting is US Bank. I just opened an account with them to take advantage of their bonus to CASH+ card. Looks like fees around gold package are waived if you have auto pay connected to one of their credit cards. You could get CASH+ card which is great and the gold package. However, as a warning, US Bank hard pulled my credit sometime during the join process even though banker said they only soft pulled when I asked specifically about it. However, the problem with big banks is that their fee policies can change at any time. While a CU is unlikely to implement fees in the future.
08-27-2012 12:52 PM - edited 08-27-2012 12:55 PM
I am an alliant member and I love them!
(edited because I hit the wrong button)
Alliant is aligned with other CU branches.. here in my area I can either drive out to their location, go to PSECU or even Bellco. They have a spot on their website where you can find fee free ATMs, but that also lists banks and CUs that you can use for ATM or accepting deposits. That is helpful because I tend to do cash deposits with them and I dont' like to do cash deposits via ATM or mail
08-27-2012 05:41 PM
Seems like you can deposit at most 7-11 store.
Im not from PA no for PSECU.
Im from area 51... can you guess ?
08-30-2012 03:16 AM
If you're looking for an easy to deal with CU that's easy to join nationwide you should look into www.myconsumers.org and they're offering 3% APY on checking right now and it's $5 membership to thier co-op and $5 membership share (savings).
Otherwise here's a good link to comparing rates for both banks and CU's.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. 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.