Does NFCU run hard inquiries?

[Anonymous]

I'm thinking of joining NFCU. My DW is a current member as well as my brother. If they can help me join NFCU.  Would they need to run a hard pull? I have a checking with USAA, but they don't have any branches near me. I just want a checking and savings account 

Thanks in advance! 

[Gramz]

I do not think so, I got with NFCU in 2011.  If you are trying to get any CC's yes they going to pull your credit.  If you are just trying to open a checking account I do not think so.

Someone with recent experience(open and account) can answer this question better and give you some insight.

[heyryan]

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@Anonymous wrote:

I'm thinking of joining NFCU. My DW is a current member as well as my brother. If they can help me join NFCU.  Would they need to run a hard pull? I have a checking with USAA, but they don't have any branches near me. I just want a checking and savings account 

Thanks in advance! 

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Unless NFCU has significantly changed their policies, they HP to join, and unlike most CUs they do NOT reuse that HP for any other product (CLOC, CC, etc.). I can't remember for sure, but I believe the joining HP was on TU. They're definitely worth it though - good luck!

[ScarlettClone]

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@heyryan wrote:

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@Anonymous wrote:

I'm thinking of joining NFCU. My DW is a current member as well as my brother. If they can help me join NFCU.  Would they need to run a hard pull? I have a checking with USAA, but they don't have any branches near me. I just want a checking and savings account 

Thanks in advance! 

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Unless NFCU has significantly changed their policies, they HP to join, and unlike most CUs they do NOT reuse that HP for any other product (CLOC, CC, etc.). I can't remember for sure, but I believe the joining HP was on TU. They're definitely worth it though - good luck!

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I agree with the above.

I opened a new account with NFCU in the begining of 2017 and it was a HP just to open the account.  

[Anonymous]

I'll wait a few months for my recent inquiries to wear off.  Really appreciate everyone's response 

[Anonymous]

I had 1HP to join and for a cc 3 months ago.

[ptkdude]

I opened checking and savings with NFCU over the phone in October 2017 and had a SOFT pull on TransUnion.  I did not apply for any credit products.

[Anonymous]

I know this might sound dumb. But does it matter who sponsors me? My DW just become an NFCU member. While my brother has been a member since 2010 but he has negative history with them. He's still a member but is under debt management and is making payments to them. 

[Anonymous]

I opened an account with NFCU over the summer (through eligibility from my deceased grandfather).

They did do a hard pull so make sure your credit can take the few points ding before going to open it!

[Anonymous]

@damike147853
Do you remember which credit bureau they pulled? My Equifax is the lowest due to being an AU on a credit card with high balance. It is the only bureau that has not removed that account from my report.