Navy Federal

[JKSIMMONS]

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@baller4life wrote:
If you initiate it from Navy Fed it's free. If you open your account with them online, your external bank is already set up. If not you will have to set it up. Either way works. Pull an ACH payment from the Navy Fed website or push one to Navy Fed from your bank.

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^^^^This^^^^^

Call them to set it up the first time. It will save you time bc you won't have to wait on a confirmation letter. After it's set up, it will be available for you to pull from whenever you need it.

[jihadkiller]

I concur 100%!! If you qualify, do it. That is not even a real question!

[Leadberry]

I regularly pay my NFCU CC directly from my USAA checking account.  The USAA account was linked when I joined NFCU; there are no fees.

Interestingly enough, when I joined NFCU I told the representative who set up my accounts that I would keep USAA as my primary banking institution.  She sounded extremely put-off and asked me what kind of relationship I wanted with NFCU.  USAA is just a fantastic ACH hub.  All deposits are available instantly, in full, whether it be via direct deposit, mobile check deposit, ACH transfer from another institution, etc.  NFCU can take 2-3 business days, which can be flat-out unbearable when you're used to USAA's speed.

[efranklin23]

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@Leadberry wrote:

I regularly pay my NFCU CC directly from my USAA checking account.  The USAA account was linked when I joined NFCU; there are no fees.

Interestingly enough, when I joined NFCU I told the representative who set up my accounts that I would keep USAA as my primary banking institution.  She sounded extremely put-off and asked me what kind of relationship I wanted with NFCU.  USAA is just a fantastic ACH hub.  All deposits are available instantly, in full, whether it be via direct deposit, mobile check deposit, ACH transfer from another institution, etc.  NFCU can take 2-3 business days, which can be flat-out unbearable when you're used to USAA's speed.

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+1 one of the reasons why I love USAA. Their ACH transfers are unbeatable. Money is available before the transfer is completed. 

But as the previous posters stated, you have to be crazy to not want to open a account with NFCU. But one thing to note, do not, I repeat do not ever burn NFCU as they will remember and it will be extremely difficult to get back in.

[CaptainGreenThumb]

I think I am ready to get my own NFCU credit card.

Anyone have advice on which card to get? It probably would not be my primary credit card so would the rewards cards really be worth it?? Or should I go for the Platinum to try to get the lowest rate possible? From people's experiences, do they rates really vary that much between the cards?

[dabrian]

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@CaptainGreenThumb wrote:

I think I am ready to get my own NFCU credit card.

Anyone have advice on which card to get? It probably would not be my primary credit card so would the rewards cards really be worth it?? Or should I go for the Platinum to try to get the lowest rate possible? From people's experiences, do they rates really vary that much between the cards?

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If you plan to pay in full each month I would go with the cash back card.  Interest rates don't matter if you don't pay interest.

[williamachamberlain]

If your FICO is like your sig, you'll easily get approved.....I got 16K with FICO about 70 points lower than yours.  

I'm not getting the CLOC, no reason ya know.  Good luck NFCU has started off on the right foot for me!

[CaptainGreenThumb]

Well... I'm in!

Congratulations! Based on your creditworthiness, you have been approved for a Signature cashRewards Visa. Your credit line will be $12,000.00. Your APR will be prime plus 6.4. You should receive your new card(s) in 7-10 business days.

I also attempted to apply for NavCheck but the application failed. Maybe I will try again later.

[baller4life]

Wow that's awesome!! Congrats!!

[CaptainGreenThumb]

NavCheck approved too! $15,000

Three new lines of credit this month... I better lay low for awhile.