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Frequent Contributor
ficojoe
Posts: 310
Registered: ‎07-21-2012
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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...

Established Contributor
rtw
Posts: 797
Registered: ‎05-01-2012
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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
Frequent Contributor
USF813
Posts: 333
Registered: ‎06-04-2013
0

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)
Chapter 7 Discharged 12/2009
FICO EQ: 693 (5/23/14)
FICO TU: 670 (Barclays TU 7/25/14)
FICO EX: 667 (as of 5/23/14)
NFCU GoRewards $7.5k, Barclays US Airways $5k, Chase IHG $2k, DCCU Visa $1.5k.

Regular Contributor
txmomma26
Posts: 246
Registered: ‎02-27-2013
0

Re: How many credit unions do you belong to?

Local CU - CU of Texas

And DCU, who I am LOVING at the moment :smileyhappy:

 

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
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Valued Contributor
DaveSignal
Posts: 2,096
Registered: ‎07-29-2011
0

Re: How many credit unions do you belong to?

PSECU

NFCU

State Dept CU

Service CU

PenFed

 

 

EX:694 TU:744 EQ:709
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Contributor
Karnage146
Posts: 105
Registered: ‎06-07-2013
0

Re: How many credit unions do you belong to?

What exactly are credit unions good for?

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Valued Contributor
DaveSignal
Posts: 2,096
Registered: ‎07-29-2011
0

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:709
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Contributor
Karnage146
Posts: 105
Registered: ‎06-07-2013
0

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??

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Valued Contributor
DaveSignal
Posts: 2,096
Registered: ‎07-29-2011
0

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:709
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Contributor
Karnage146
Posts: 105
Registered: ‎06-07-2013
0

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.


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