Credit Card Center Advertiser Disclosure†
10-12-2013 06:22 PM
10-12-2013 06:37 PM
I just joined them for my auto loan. They were a great experience in regards to applying for them. A loan officer emailed me back and forth during the process in a very prompt manner. Process overall was very smooth. I've only been a member for about 2 weeks though so I can't provide much more insight then my loan application was fast, smooth and I was very happy with it overall.
10-12-2013 06:49 PM
I have them, I love them. They're my front runner for my refi. I've had them for years and years. I love that if you overdraw checking accidentally, they charge you $2 and transfer it from savings. One thing I found out recently about the credit cards is that you can do balance transfers with no fee - so 8.99% interest on a balance transfer, but no 3% to transfer it. Also, they have 2 credit cards. one of them is the 8.99% with no rewards, the other is the 11.99% with cashback rewards. The mortgages are handled by MemberFirst, but you can see a UMCU loan officer.
When I applied for a car loan through them, they offered me a higher rate than the dealership did. But I got a TU score out of them, and then I asked for a CLI which they just used the HP from the car loan for. They'll do that within a month of the pull, so any time you have them pull your report, check on the CLI for the credit card, too.
10-12-2013 07:49 PM
10-12-2013 08:02 PM
What is the loan for?
10-12-2013 08:22 PM
10-12-2013 08:44 PM
Oh yeah, you said that earlier in the thread!
Some people like to take loans out to build their credit, which I think is crazy when you already have a credit card. You'd probably lose more points opening up a loan you don't need than you'd get by diversifying your types of credit!
Anyway. Around here, taxes are overdue March 1st, I believe.
10-12-2013 09:01 PM
10-29-2013 03:09 PM
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