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What are your top 3 credit unions and why?

New Visitor

What are your top 3 credit unions and why?

I'm looking for the best 3 credit unions in your opinion and why.  

Message 1 of 8
7 REPLIES
Moderator Emerita

Re: What are your top 3 credit unions and why?

  1. NFCU - generous starting CL, credit products, usually a SP for CL's,  and helpful CSR's
  2. DCU- generous CL and refi products, shared branching, free EQ score
  3. Alliant- no fee CC and checking account, good banking rates
Message 2 of 8
Established Contributor

Re: What are your top 3 credit unions and why?

PSECU - amazing rates and large. CL NFCU- Great service large CL PENFED-Just Love them
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Message 3 of 8
Established Contributor

Re: What are your top 3 credit unions and why?

NFCU- awesome credit lines, easy to qualify for loan products, decent rates Negatives- HP for everything

DCU- good credit lines, easy to qualify Negatives- okay rates, jump through hoops to get products

PENFED-good credit lines, awesome rates Negatives- Extremeley hard to qulaify for products even with perfect credit

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

NFCU FAN CLUB MEMBER #1









Chase Star Card
NFCU FAN CLUB FAN#1
Message 4 of 8
Senior Contributor

Re: What are your top 3 credit unions and why?

USAA, really cares about Vets.


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Message 5 of 8
Highlighted
Valued Contributor

Re: What are your top 3 credit unions and why?

let's throw a curveball and say top 3 cu that do not require a military relationship? 

as i knew the top three before i opened the thread. 

 

i know dcu doesnt require it. any else? 

 

btw anyone who is a full member without finding a loop hole, thank you for your service. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 6 of 8
Valued Member

Re: What are your top 3 credit unions and why?

if you live in the right geographic area or work for the right groups (again a limited situation) but I love First Community which is based in the St Louis metro area for thier interest bearing checking superb customer service and low fees basic credit cards. And the most competitive and efficient mortgages my realtor has seen.
Pen Fed has also caught my eye as a red cross volunteer but I havent applied.
FICO: 782(Ex, AMEX 8/12), Mortgage Pull(3.0%, 5/1 ARM from Local CU 2/2013): 725(EX), 757(TU), 772(EQ); 775(EX, Amex 8/14)
Cards: Amex BCE(10300), Discover(7000), Target (1000), PenFed Platinum Rewards Visa (8500), Chase Freedom(5000), Barclay Arrival+ (10000), Amex HHonors Surpass(11,800)
App'd: Barclay & Hhonors Surpass Aug 2014, PenFed & Freedom Feb 2013, Amex & Target Jul 2012, Discover Feb 2008 Gardening til ???
Goals: TBD, possibly a mortgage refi to a fixed rate or better adjustable
Message 7 of 8
Valued Contributor

Re: What are your top 3 credit unions and why?


creditnocash wrote:

let's throw a curveball and say top 3 cu that do not require a military relationship? 

as i knew the top three before i opened the thread. 

 

i know dcu doesnt require it. any else? 

 

btw anyone who is a full member without finding a loop hole, thank you for your service. 


Penfed, unlike NFCU, doesn't require a military relationship, anyone can join with a 15-20 donation to one of two charities.  That said, at least one of their cards, Defender, is restricted to military.

Message 8 of 8