Regular Contributor
cowboyguy
Posts: 197
Registered: ‎07-26-2012
Best Credit Unions out there

Hi everyone,

 

I'm looking to join a couple of credit unions & currently researching the best in terms of generosity in offering high initial CLs, generosity in CLIs, little/no documents hectic etc. I'm not qualified for NFCU so apart from that, here's a quick list I gathered from this forum:

 

PSECU

NASA

USAA

Penfed

Walmart Discover $10,000... Chase SW $8,500... Freedom $7,000... CSP $6,000... Amex Delta $3,000... Amex BCP $2,000... Local CU $1,500...
Frequent Contributor
Mellon
Posts: 341
Registered: ‎08-31-2007
Re: Best Credit Unions out there

USAA is not a credit union

| NFCU Cashrewards $14,000 | NFCU Platinum $12,000 | NFCU Navchk $10,000 | Amex BCE $3,000 | Amex HHonors $1,700 | Chase Freedom $3,300 | Chase Sapphire Preferred $5,000 | BOA 3-2-1 $5,000 | Barclays Apple $4,450 | CapOne Quicksilver $1,000 | OCCU Beaver $5,000 | CITI Diamond Preferred $2,500| Citi TYP $5,000 | GTE FCU $3,000 | | Discover IT $3,500 | Walmart Discover $8,000 | NCSECU $750 | NASA FCU $2,000| Chase Slate $4,000 | Barclays Reward MC $1,500| Best Buy $3,000 | Wells Fargo $3,000 | Chase Amazon $3,000
New Contributor
KausticRage
Posts: 55
Registered: ‎10-10-2012
Re: Best Credit Unions out there

DCU, they approved my for my first $5k limit CC.  Highest limit before that was my Walmart at $1600.

April 2013 FICO Scores
Experian - 709 Chase Freedom Pull
Equifax - 788 BofA MLB Rewards Pull
Trans Union - 778 (GE Money Bank CLI scores)

In the Garden until at least 2014 to let the new accounts age and HP's fall off. 800 club here I come...
Valued Contributor
visorboy1974
Posts: 1,132
Registered: ‎05-17-2010
Re: Best Credit Unions out there

cowboyguy wrote:

Hi everyone,

 

I'm looking to join a couple of credit unions & currently researching the best in terms of generosity in offering high initial CLs, generosity in CLIs, little/no documents hectic etc. I'm not qualified for NFCU so apart from that, here's a quick list I gathered from this forum:

 

PSECU

NASA

USAA

Penfed


PSECU is closed to out of staters unless you have a family member who is a member.  

USAA, as mentioned before is not a CU.  

 

I'm a member at DCU and they offer generous starting limits.  I was initially approved for $500 at Alliant, but that was increased to $15K after 6 months.  

Valued Contributor
Swapmeet
Posts: 1,569
Registered: ‎11-10-2012
Re: Best Credit Unions out there

USAA is not a CU, but that just means that anyone can join. They are, however, very generous when it comes to approval rates and CLs.



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Valued Contributor
bs6054
Posts: 1,673
Registered: ‎11-11-2012
Re: Best Credit Unions out there

cowboyguy wrote:

Hi everyone,

 

I'm looking to join a couple of credit unions & currently researching the best in terms of generosity in offering high initial CLs, generosity in CLIs, little/no documents hectic etc. I'm not qualified for NFCU so apart from that, here's a quick list I gathered from this forum:

 

PSECU

NASA

USAA

Penfed


PenFed also have very strict underwriting requirements for many of their cards, so that might not match what you are looking for.

Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
Re: Best Credit Unions out there

KausticRage wrote:

DCU, they approved my for my first $5k limit CC.  Highest limit before that was my Walmart at $1600.


+1

 

DCU gave me $7500 right out of the gate so I am definitely a fan of them :smileyvery-happy:


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Valued Contributor
madmann26
Posts: 1,442
Registered: ‎08-30-2012
Re: Best Credit Unions out there
NFCU, if you can get in.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $2.1k; NFCU Cash Rewards $22K; AMEX BCE $18k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Valued Contributor
bs6054
Posts: 1,673
Registered: ‎11-11-2012
Re: Best Credit Unions out there

madmann26 wrote:
NFCU, if you can get in.

The OP said, in his OP:

 

I'm not qualified for NFCU so apart from that

 

 

 

Valued Contributor
p-
Posts: 2,634
Registered: ‎06-05-2008
Re: Best Credit Unions out there

Definitley Penfed.  And if you are qualified, USAA, even though it's not a CU, per se.  It also would be smart to forge a relationship with a small, local CU.  Sometimes there's no substitute for walking in and meeting with the person handling your decisions.

  8-12-14: FICO EXP: 797 - EQU: 734 - TRAN: 739 - AVG: 757 - +207 points from JUN 2008 - MY CREDIT JOURNAL