topic Re: Nfcu membership through the mother of my child never married in Personal Finance

Nfcu membership through the mother of my child never married

Anonymous — Wed, 18 Sep 2019 23:44:17 GMT

I'm curious my gf who I do not live with however we have a child together is becoming a member of nfcu, and she offered to sponsor me so I could join but i was curious I'd this would work.
I lived with her for 3 years under her parents roof we didnt have any Bill's or anything and since then I moved into my own place .would I be eligible to become a member for nfcu? Even though we dont currently reside together. Also dont know if it matters my daughter is 3 years old so I dont think I could apply for a account for her then apply from her account for me just looking for options

Re: Nfcu membership through the mother of my child never married

Jnbmom — Wed, 18 Sep 2019 23:58:02 GMT

Under the membership guidelines I would think unfortunately no, since you do not reside in the same household

Re: Nfcu membership through the mother of my child never married

Jnbmom — Thu, 19 Sep 2019 00:20:21 GMT

@SFLSpotter9210 wrote:
I just became a member Monday. My wife is retired military actually active duty disabled. And she still has her maiden name due to ease of life. They never verified her or even asked her name. So I think you would be fine. Just out of curiosity who is prior military? Just contact them via phone and you should be fine. They do a SP for membership. And if you decide to apply for credit they used TU for CR pulls. Good luck.

You are a member through your wife, this OP "used to live" with somebody and no longer does big difference.

Just because they don't always verifiy, isn't a reason to abuse the it

Re: Nfcu membership through the mother of my child never married

Jnbmom — Thu, 19 Sep 2019 00:39:19 GMT

Shady of me??

Most members of NCFU meet the eligibilty requirements, stating that they usually don't check anyway ummmmm that's shady. Just because you can doesn't mean should.

NFCU membership is a "privilege " to be able to join through your own military service or a family member service, that I do take seriously.

Re: Nfcu membership through the mother of my child never married

Anonymous — Thu, 19 Sep 2019 01:34:27 GMT

So I understand it's a privilege not denying that just trying to get info and see if that qualifies me, since I do have a child with her, and i heard something about being able to sign your kids up for penfed membership aswell so if i took that route could i get access through my daughters account

Re: Nfcu membership through the mother of my child never married

AllZero — Thu, 19 Sep 2019 02:20:33 GMT

@NFCU wrote:
If you’re an existing member and a parent, grandparent or guardian, share the gift of membership with someone under 18 using our online minor membership application. Or, visit a branch or call us at 1-888-842-6328 to learn about opening a minor membership.

I'm not sure what the age minimum requirement is for membership. Best to call and ask.

Logic would seem this method; mother sponsors child -> child sponsors -> father

Re: Nfcu membership through the mother of my child never married

Remedios — Thu, 19 Sep 2019 16:11:31 GMT

@Anonymous wrote:
So I understand it's a privilege not denying that just trying to get info and see if that qualifies me, since I do have a child with her, and i heard something about being able to sign your kids up for penfed membership aswell so if i took that route could i get access through my daughters account

Even if your daughter became a member, if she does not live with you, it's a moot point.

Another thing, if you're talking about minor child "sponsoring" an adult, that's a recipe for disaster.

While they may be too large to fact check each and every app, they are not stupid by any means.

Re: Nfcu membership through the mother of my child never married

AllZero — Thu, 19 Sep 2019 17:01:12 GMT

If success or failure, data points are always appreciated, in the event some tries this or has a question about it in the future. 😉

Re: Nfcu membership through the mother of my child never married

Remedios — Thu, 19 Sep 2019 17:06:35 GMT

I will never attempt to advise somebody in ways that can cause them financial harm for useless data points or entertainment purposes.

Most, if not all posters wont

Re: Nfcu membership through the mother of my child never married

SFLSpotter9210 — Thu, 19 Sep 2019 18:58:06 GMT

It states parents/grandparents/children/grandchildren/siblings/spouses. It doesn’t stipulate they have to live with you. Besides OP stated his grandfather was in the military. Doesn’t seem to me their too concerned about who is who. Cause if they were they’d be verifying everyone. In my opinion seems like they just want members and $$$$ deposited. (Mod snip - keep comments/replies under the FSR guidelines).

Re: Nfcu membership through the mother of my child never married

AllZero — Thu, 19 Sep 2019 17:24:54 GMT

No malicious intention.

If there was a known age minimum. At 3 years, highly unlikely will meet age requirement.

Re: Nfcu membership through the mother of my child never married

Anonymous — Thu, 19 Sep 2019 17:25:27 GMT

@Remedios wrote:
Even if your daughter became a member, if she does not live with you, it's a moot point.

I'm not advocating abusing any system in place to join. However, I was eligible through my grandfather who served in WW2. He has been deceased for 30+ years, so does not reside with me. NFCU didn't seem to have a problem allowing me to join.

OP thee are plenty of other good CU's out there without needing an "in" to join. Just look around and find one that suits your needs.

In addition to NFCU, I also am a member of a local one in my City. And if I'm being honest, they both are fairly comparitave.

My CC with NFCU is 11% APR while my local CU is only 9.6%. So IMO, I don't think you would be "settling" if you chose a CU other than NFCU.

Re: Nfcu membership through the mother of my child never married

Remedios — Thu, 19 Sep 2019 17:45:24 GMT

@Anonymous wrote:
@Remedios wrote:
Even if your daughter became a member, if she does not live with you, it's a moot point.
I'm not advocating abusing any system in place to join. However, I was eligible through my grandfather who served in WW2. He has been deceased for 30+ years, so does not reside with me. NFCU didn't seem to have a problem allowing me to join.

OP thee are plenty of other good CU's out there without needing an "in" to join. Just look around and find one that suits your needs.
In addition to NFCU, I also am a member of a local one in my City. And if I'm being honest, they both are fairly comparitave.
My CC with NFCU is 11% APR while my local CU is only 9.6%. So IMO, I don't think you would be "settling" if you chose a CU other than NFCU.

I get that and there is nothing unusual about your membership

OP is talking about girlfriend with whom he does not live, nor shares bills, then a suggestion to use a toddler as a way in is made.

If he's willing to take a chance and have gf sponsor them, so be it.

But a baby 🤷‍♀️

Re: Nfcu membership through the mother of my child never married

SFLSpotter9210 — Thu, 19 Sep 2019 18:15:48 GMT

Doesn’t say anything about age. And like I said he advised me his grandfather was in military so that’s all he needs. I do believe that he should be upfront with them and see what they say. Besides their not going to lend credit to just anyone their like every other lending institution that have policy.

Re: Nfcu membership through the mother of my child never married

SouthJamaica — Thu, 19 Sep 2019 20:33:09 GMT

@Anonymous wrote:
I'm curious my gf who I do not live with however we have a child together is becoming a member of nfcu, and she offered to sponsor me so I could join but i was curious I'd this would work.
I lived with her for 3 years under her parents roof we didnt have any Bill's or anything and since then I moved into my own place .would I be eligible to become a member for nfcu? Even though we dont currently reside together. Also dont know if it matters my daughter is 3 years old so I dont think I could apply for a account for her then apply from her account for me just looking for options

I think you should call up and just ask them if she would be considered a family member and could therefore sponsor you. IMHO you are family members, since you are both responsible for your daughter. There's no requirement that family members be living in the same household; the household requirement is only for non-family members.

In today's America, the term "family" is more inclusive than it once was.

Just tell them the truth:

1. she's a member and would like to sponsor you for membership

2. she's your girlfriend, and the mother of your daughter

3. you lived together for 3 years but are not presently living together

4. you have a continuing relationship and consider each other 'family' as you jointly raise your daughter

Either they'll say yes or they'll say no.

Re: Nfcu membership through the mother of my child never married

BearsCubsOtters — Thu, 19 Sep 2019 21:03:48 GMT

These types of questions/scenarios/heated debates would be solved in NFCU would tighten things up a bit. Prior to February 2017 (and 2016 for those that joined via NLUS SD), NFCU was very, very difficult to get into. Even veterans couldn't join! Now, anybody can basically call them up, state that someone they are related to was military and just like that they are in. This is of course an assumption and they may have access to information that can verify what they are told, but I do not know this.

I believe there are people (and I am not insinuating anybody that has posted to this thread did so) who basically lie to join NFCU.

I would like to see NFCU operated more like USAA in that the individual with the military service has to join and then sponsor the family member without military service.

I believe that NFCU is turning a blind eye because, even though they are non-for-profit, they are still a business and businesses need to grow. So they need more members. I just really liked NFCU more when they were harder to join and weren't the town bicycle.

As SouthJamaica stated, it is best to call NFCU and explain the situation to see what they say. If they say no, than PenFed is a great alternative. Also, apparently BECU is allowing out-of-state members and they are also a very good alternative.

Re: Nfcu membership through the mother of my child never married

Jnbmom — Thu, 19 Sep 2019 21:06:32 GMT

@BearsCubsOtters wrote:
These types of questions/scenarios/heated debates would be solved in NFCU would tighten things up a bit. Prior to February 2017 (and 2016 for those that joined via NLUS SD), NFCU was very, very difficult to get into. Even veterans couldn't join! Now, anybody can basically call them up, state that someone they are related to was military and just like that they are in. This is of course an assumption and they may have access to information that can verify what they are told, but I do not know this.
I believe there are people (and I am not insinuating anybody that has posted to this thread did so) who basically lie to join NFCU.
I would like to see NFCU operated more like USAA in that the individual with the military service has to join and then sponsor the family member without military service.
I believe that NFCU is turning a blind eye because, even though they are non-for-profit, they are still a business and businesses need to grow. So they need more members. I just really liked NFCU more when they were harder to join and weren't the town bicycle.

As SouthJamaica stated, it is best to call NFCU and explain the situation to see what they say. If they say no, than PenFed is a great alternative. Also, apparently BECU is allowing out-of-state members and they are also a very good alternative.

+1000

Re: Nfcu membership through the mother of my child never married

Jnbmom — Thu, 19 Sep 2019 21:11:20 GMT

No where in the original post did the OP tell us his grandfather was in the military, if they did then that would be his in and this discussion would be a moot point.

Re: Nfcu membership through the mother of my child never married

Anonymous — Thu, 19 Sep 2019 21:41:52 GMT

I'm going to call because I wanna be on the safe side hopefully I have time today to call and find out fingers crossed on a side note got curious and looked this up since I'm at work dont know if this would factor in at all

The provincial Family Law Act defines spouse as including married spouses and unmarried couples, provided that the unmarried couple has lived together in a "marriage-like relationship" for at least two years, or lived together for less than two years if they have had a child.

Re: Nfcu membership through the mother of my child never married

SFLSpotter9210 — Thu, 19 Sep 2019 21:49:50 GMT

Well done sir well done bravo 👏 bravo 👏!!