I hope this is ok to post again where it will probably get more exposure versus the general credit board. If a moderator could delete my original over there it would be very much appreciated.
Received the email earlier now just waiting on the membership package to arrive in the mail! I'll probably keep a steady relationship with them and see if they'll preapprove me for a credit card. My other credit union right now is Genisys but I wasn't to happy with the auto loan rate 14% they offered even though I have a collection on the report they pulled (EQ). I wound up just paying outright for the car $800 down from $1400 and just got new brake lines put in, but anyway I'm thinking of maybe heading away from Genisys and maybe going with Penfed or someone else. Congrats though to everyone else that's joined DCU and are happy with their service and loans. Always open to other suggestions for credit unions to join also. Just thought I'd share 
Also looking at joining Northwest Federal CU but their site isn't cooperating in letting me join. I sent them an email though and hope to hear back soon (have a nice 7% starting personal loan rate).
I have both Genisys and DCU and DCU is far more generous to me than Genisys for CC's. DCU gave me a 7500 CL and Genisys gave me 900 so go figure. The only thing I can see is that Genisys cards are issued by Elan so that could play some part in it.
As for the car loans, Genisys was much better than DCU. I guess that's why they say not to have all your eggs in one basket .
But as for Penfed, I thought that the credit critieria was stringent in that you need really good credit....not completely sure so check up on that.
Stephen_Dashman wrote:I hope this is ok to post again where it will probably get more exposure versus the general credit board. If a moderator could delete my original over there it would be very much appreciated.
Done, and congrats on the approval.
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
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Stephen_Dashman wrote:chnceit -
Yeah I think I counted about 9 organizations you can join with dues from $10 Reach out for Schools (the one I joined) up to $120 but most are in the $15 to $30 range.
Cool thanks!
I read a lot on here that DCU is generous with CL so I am thinking about apping once my new accounts age
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