01-09-2013 07:00 AM
So I called NFCU last night and they were extremely nice and helpful.
Unfortunately they can't offer me an account despite being a veteran. I mistakingly thought that all veterans were eligible.
Does anyone know if they ever offer open enrollment periods?
01-09-2013 07:11 AM
Unfortunetly no. This is what irks so many people. Thank you for your service.
Now, if you got a roommate who was a member - then you could join - then extend that membership to any family member or roommate you would have.
01-09-2013 07:12 AM
On a related note - you ARE eligible for full USAA membership including their insurance products AND to get PenFed's AMEX Defender (1.5% cash back instantly, no FTFs, no annual fee, 6.99% APR) but only until April!
01-09-2013 07:50 AM
Very strict. You will need all your ducks in a row. Probably at least a 700 EX with little inquiries.
They have given me two cards - but low limits ($9.5K total) compared to my USAA/NFCU cards. But IMO - PenFed is the best lender out there. Also - I'm not sure - but since their Defender card was targeted for Active Military only - they were less strict (which is why I got such a low limit!) But now for only the next 3 months they have opened the card up to veterans honorably dishcarged (better have your dd214 in order!!!)
03-13-2013 11:53 AM
How long ago did you seperate? I got out a couple of years ago but because every military contract is technically an 8 year contract, I am IRR until later this year but that qualifies. Any chance you are still IRR status?
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.