topic Re: Need CU advice in Credit Card Applications

Need CU advice

Anonymous — Sat, 18 Feb 2017 20:18:36 GMT

Want a CU that pulls TU or EQ-
Anyone can join-even if I have to join another group or org...
Has a good Checking/Savings and loan options
Has a decent CC for cash rewards.
Has good customer service

Anyone recommend one?
I'm looking to add another bank/cu to go with my USB accounts. It would be something I would keep long term and am not just looking for a high limit Cc (tho that would be a bonus)

TIA

Re: Need CU advice

Anonymous — Sat, 18 Feb 2017 20:44:55 GMT

Navy Federal or PenFed; both would require membership with another group to join (could actually use the Navy League for both).
Look up info on both here to figure out which you might like best

Re: Need CU advice

Anonymous — Sat, 18 Feb 2017 21:17:17 GMT

I'm an idiot.
I forgot the most important part.
Not Penfed or Navy.
I had them both in 2007 and 2008 and burned them.

Re: Need CU advice

austinguy907 — Sat, 18 Feb 2017 21:32:52 GMT

https://www.myconsumers.org/personal/checking/free-rewards-checking.html

https://www.myconsumers.org/credit-cards/visa-cards/index.html

https://www.myconsumers.org/home/rates.html

https://www.myconsumers.org/about-us/membership.html

For the CC they're a TU.... don't remember who on the membership/checking side. Easy to work with and pretty stable if you SD them. I think they started me off around 5-10K when I opened the CC and then with a HP bumped to 17K a few years back. They rolled out a better rewards program awhile back and then also added the Signature lines a couple of years ago. There's a few threads around here with more recent performance but, they're just a good bunch to work with and give better APY's on checking then some of the other suggestions when you bundle in the CC you can go up to 4.59% APY on checking.

ETA: even though it's in my signaute it's probably better to post it to just click on it... www.depositaccounts.com go under checking / reward checking

They will show you some of the highest yielding CU accounts out there depending on location, cash balance, etc. I focus more on the APY of a checking account and the CC is more of an after though when it comes to things. Another good one for open enrollment that's not mentioned around here often is JFCU as they're easy to work with as well for the CC side of it. Same story started at 10K with them and then with a HP later on bumped to 29K. https://jfcu.org/CreditCardRates

Re: Need CU advice

Anonymous — Sat, 18 Feb 2017 21:29:13 GMT

Thx Austin

Re: Need CU advice

Anonymous — Sat, 18 Feb 2017 21:31:28 GMT

Do you know if it is one pull for membership and cc and also how are they are INQs (since it is TU and I have a ton)

Re: Need CU advice

Anonymous — Sat, 18 Feb 2017 21:36:17 GMT

Thx again for the second link. You were once my man on Discover-now I see you are the CU guy too.

Re: Need CU advice

Anonymous — Sat, 18 Feb 2017 21:39:01 GMT

Doesn't look like I am eligible to the second one. Even if you refer me as it says you can it states I must meet eligibility on my own

Re: Need CU advice

austinguy907 — Sat, 18 Feb 2017 21:39:48 GMT

When I was on my CU CC kick I was applying for the cards before membership since it didn't make sense to apply for membership and toss $5-$20 at a CU and not get results. I can't remember if they were sensitive or not but, probably had 5-10 inq's on reports at the time as I was pushing the limits to get some good CU cards with good rates. It was a time when I could get a 10-15K approval on CU side and denied on the big banks for just about everything. I still keep 4 CU accounts due to the aging at this point and they're all 17K for 3 of them and 29K for the JFCU one.

Do some more research on them if the checking APY is appealing enough to make the switch.

http://ficoforums.myfico.com/t5/Credit-Cards/Consumers-Credit-Union-IL-data-points/td-p/4827287

http://ficoforums.myfico.com/t5/Credit-Cards/9-75-Fixed-CC-my-consumers-CU/td-p/961340

(((FYI - if you want to use the same CR from TU you need to call or stop in a branch. The online verification is done through EQ and the phone apps are TU)))

Re: Need CU advice

austinguy907 — Sat, 18 Feb 2017 21:46:29 GMT

@Anonymous wrote:
Doesn't look like I am eligible to the second one. Even if you refer me as it says you can it states I must meet eligibility on my own

Oh young grasshopper!

LEA groups has National Sheriffs' Association aka... join for $15 and you're in like Flynn

http://nsa.sheriffs.org/s/join.aspx

When stalking CU's you have to get creative sometimes and look for keywords to circumvent the process sometimes. There's always an in when you look hard enough. Some are simple like the ACC where you can join using "consumer" for free. Opens the door to 30+ CU's with an easy membership. Some others are a little more creative with ways to join right on their website with a link or even in process of joining through the membership form.

Re: Need CU advice

SouthJamaica — Sat, 18 Feb 2017 23:40:50 GMT

@Anonymous wrote:
Want a CU that pulls TU or EQ-
Anyone can join-even if I have to join another group or org...
Has a good Checking/Savings and loan options
Has a decent CC for cash rewards.
Has good customer service

Anyone recommend one?
I'm looking to add another bank/cu to go with my USB accounts. It would be something I would keep long term and am not just looking for a high limit Cc (tho that would be a bonus)

TIA

I've had good experiences with

PenFed

NFCU

Alliant

Affinity FCU