Contributor
pat0812
Posts: 93
Registered: ‎09-10-2012
Looking for a CREDIT UNION to join. Any suggestions ?

Hello,

 

I'm a resident of Delaware, but i reside 3-4 months out of the year in california for vacation. I want to buy a car in about 4-5 months, that will stay in California all year long and i was told CU have the best rates.

 

Now my question is like that. Should i join a CU in my resident state or in the state i want to buy the car? Does it make any difference ?

I can join easily some CU in Delaware because i meet the requirements to join, but i haven't found yet any CU in California were i meet the requirements, because obviously i don't live there or am part of any organisation they request. 

 

Does anybody know a CU in California that I could join without being a californian resident? Or any CU that is nationwide ?

 

Any help would be great

 

Thanks


Starting Score: EQ 683 TU 714
Current Score: EQ 683 TU 714
Goal Score: EQ 740 TU 740


Take the FICO Fitness Challenge
Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012
Re: Looking for a CREDIT UNION to join. Any suggestions ?

It does not matter. Once you are a member of a CU (in most cases) you can utilize their services from any location in the future. But, def. check with the CU before joining.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Regular Contributor
tylaw13
Posts: 173
Registered: ‎06-28-2012
Re: Looking for a CREDIT UNION to join. Any suggestions ?

pat0812 wrote:

Hello,

 

I'm a resident of Delaware, but i reside 3-4 months out of the year in california for vacation. I want to buy a car in about 4-5 months, that will stay in California all year long and i was told CU have the best rates.

 

Now my question is like that. Should i join a CU in my resident state or in the state i want to buy the car? Does it make any difference ?

I can join easily some CU in Delaware because i meet the requirements to join, but i haven't found yet any CU in California were i meet the requirements, because obviously i don't live there or am part of any organisation they request. 

 

Does anybody know a CU in California that I could join without being a californian resident? Or any CU that is nationwide ?

 

Any help would be great

 

Thanks


if your in the San Diego area i would look in to California Coast Credit Union i just refi'd my car with them and they have great rates! 675+ is 2.9% and 700+ is 1.9%. Great customer service too

EQ FICO - 725 (9/11/13) TU FICO - 724 (6/27/13) EX FICO (6/30/13) 755 AMEX
Im my wallet - Cap1 Platinum MC(2000) Chase Freedom(1500) AMEX BCE (7000) Discover IT (8000) CSP (15000) Cal Coast CU (8000)
Contributor
pat0812
Posts: 93
Registered: ‎09-10-2012
Re: Looking for a CREDIT UNION to join. Any suggestions ?
I joined DCU. Hope it will work out fine

Starting Score: EQ 683 TU 714
Current Score: EQ 683 TU 714
Goal Score: EQ 740 TU 740


Take the FICO Fitness Challenge
Regular Contributor
aplast
Posts: 150
Registered: ‎06-20-2012
Re: Looking for a CREDIT UNION to join. Any suggestions ?
[ Edited ]

Good choice on joining a CU! I refinanced my civic this past month, and the rate reduction was huge! My CU here in Houston knew my name the second time I walked in. I love the smaller scale and the customer service is fantastic. They also offered me a CC with 0% BT for 12 months. Im in the garden right now so no new accounts, but congrats on joining and already having secured financing so gives you the upper hand in purchasing your vehicle. Keep us updated!

American Express Green - NPSL, Sams Club Discover - 4000, Paypal Smart Connect - 4000, Capital One - 3500, Barclaycard Visa - 2500, Walmart - 1500, Discover IT - 1000, Ashley Furniture Home Store - 1000, Care Credit - 1000.