topic Re: PSECU membership in Personal Finance

PSECU membership

Anonymous — Tue, 06 Aug 2019 18:49:34 GMT

My company is headquartered in Pennsylvania and is an employer for PSECU membership, though I am based in a secondary office in another state. I remember a while ago they restricted membership based on associations to in-state residents only. Is the same true for employees of one of their associated companies? HR says that PSECU told him all employees are eligible because our HQ is in PA, but I don't want to waste the time (and Chex pull) to apply if they're going to deny the membership app.

Re: PSECU membership

Anonymous — Tue, 06 Aug 2019 23:29:12 GMT

I just got membership approval yesterday and I’m a Texas resident. I had to make a small donation to join an organization and they do HP EX Mortgage score for membership.

Re: PSECU membership

Green456 — Wed, 07 Aug 2019 02:01:50 GMT

@Anonymous wrote:
My company is headquartered in Pennsylvania and is an employer for PSECU membership, though I am based in a secondary office in another state. I remember a while ago they restricted membership based on associations to in-state residents only. Is the same true for employees of one of their associated companies? HR says that PSECU told him all employees are eligible because our HQ is in PA, but I don't want to waste the time (and Chex pull) to apply if they're going to deny the membership app.

Do they hard pull for membership or it is Chex only?

Re: PSECU membership

Anonymous — Wed, 07 Aug 2019 06:16:09 GMT

@Green456 wrote:
Do they hard pull for membership or it is Chex only?

I don't know, I'll try to remember and report back. I'm more worried about Chex inquiries than credit pulls. My credit is good; my Chex record has no negative info but it has a lot of inquiries and some banks are inquiry sensitive.

Re: PSECU membership

Green456 — Wed, 07 Aug 2019 11:42:30 GMT

@Anonymous wrote:
I just got membership approval yesterday and I’m a Texas resident. I had to make a small donation to join an organization and they do HP EX Mortgage score for membership.

Do you qualify for their credit products as out of state resident?

Re: PSECU membership

Anonymous — Wed, 07 Aug 2019 16:24:58 GMT

@Green456 wrote:
@Anonymous wrote:
I just got membership approval yesterday and I’m a Texas resident. I had to make a small donation to join an organization and they do HP EX Mortgage score for membership.
Do you qualify for their credit products as out of state resident?

Its a HP EX for membership, I used to same hard pull for credit card application and was denied due to "excessive number of accounts openend in the last 12 months. Guilty....

So if anyone is interested in joining PSECU, it is an option for out of state residents.

Re: PSECU membership

Green456 — Wed, 07 Aug 2019 21:54:07 GMT

@Anonymous wrote:
@Green456 wrote:
@Anonymous wrote:
I just got membership approval yesterday and I’m a Texas resident. I had to make a small donation to join an organization and they do HP EX Mortgage score for membership.
Do you qualify for their credit products as out of state resident?
Its a HP EX for membership, I used to same hard pull for credit card application and was denied due to "excessive number of accounts openend in the last 12 months. Guilty....

So if anyone is interested in joining PSECU, it is an option for out of state residents.

Good to know. I will wait with opening an account with them.