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How many credit unions do you belong to?

Frequent Contributor

Re: How many credit unions do you belong to?


nicholasyud wrote:

any good credit union in South Florida guys ?


Grow Financial is in the Tampa area. Not quite south. To be honest, I've not been inside of any banch of any credit union that I am a member of...

Message 11 of 32
Established Contributor

Re: How many credit unions do you belong to?

I belong to PSECU. Love them. Free EX FICO. I'd like to join PenFed but want to get my scores up and a few inquiries to drop so I can be eligible for their credit cards. They are quite conservative from what I have read.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 12 of 32
Highlighted
Frequent Contributor

Re: How many credit unions do you belong to?

Grow Financial CU (mortgage)
USF Federal - University of South Florida
Navy Fed (credit card)
Delta Community CU (credit card)
Message 13 of 32
Regular Contributor

Re: How many credit unions do you belong to?

Local CU - CU of Texas

And DCU, who I am LOVING at the moment Smiley Happy

 

I also have a relationship with a local bank

Start: (2-26): EQ 602 (Myfico) TU 579 (Credit Karma) EX 634 FAKO
Current: (7-12): EQ 690(myfico) WalmartTU 696 EX 689 (lender 6-3)
1st Goal: 680 across the board - DONE June 2013!
2nd Goal: 725 across the board
Message 14 of 32
Valued Contributor

Re: How many credit unions do you belong to?

PSECU

NFCU

State Dept CU

Service CU

PenFed

 

 

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Message 15 of 32
Contributor

Re: How many credit unions do you belong to?

What exactly are credit unions good for?

Message 16 of 32
Valued Contributor

Re: How many credit unions do you belong to?


Karnage146 wrote:

What exactly are credit unions good for?


They offer loans and credit cards at interest rates significantly lower than a traditional bank.  

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Message 17 of 32
Contributor

Re: How many credit unions do you belong to?

Ok got it. Do they offer anything for us bad credit people that would help rebuild credit??

Message 18 of 32
Valued Contributor

Re: How many credit unions do you belong to?


Karnage146 wrote:

Ok got it. Do they offer anything for us bad credit people that would help rebuild credit??


Some of them, like NFCU, are much more lenient when offering new credit to people with previous credit problems.  They would probably offer you a high credit line, even with a low FICO, but you would have to qualify for membership. 

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Message 19 of 32
Contributor

Re: How many credit unions do you belong to?

Damn, none of my family members are in the Navy or any other military affiliated service.

Message 20 of 32