topic Re: Any thoughts on Andigo CU? They currently have $250/500 SUB for opening checking account in Personal Finance

Any thoughts on Andigo CU? They currently have $250/500 SUB for opening checking account

Neiltyson — Sat, 16 May 2020 05:48:35 GMT

I tried searching but Andigo only results in 24 matches. Seems they changed their name from something else a few years ago maybe?

Here's the offer: https://www.andigo.org/JOYN

• $250 just for opening and $500 direct deposits for 3 months

• extra $250 for spending $500 on debit card

Saw plenty data points on doctorofcredit saying it's easy CU to join out of state, just need a small membership donation.

What you guys think? Worth it for this CU? I don't see any talk about their credit cards or other services. Cheers

Re: Any thoughts on Andigo CU? They currently have $250/500 SUB for opening checking account

Revelate — Sat, 16 May 2020 08:25:47 GMT

Can't speak to service levels.

Rates about .25% over others on various products; credit cards are totally average. Didn't really get further.

If their service is good then probably worth using but they aren't lighting the world (or the forum) on fire with their products.

Re: Any thoughts on Andigo CU? They currently have $250/500 SUB for opening checking account

SouthJamaica — Sat, 16 May 2020 12:28:57 GMT

@Neiltyson wrote:
I tried searching but Andigo only results in 24 matches. Seems they changed their name from something else a few years ago maybe?

Here's the offer: https://www.andigo.org/JOYN
• $250 just for opening and $500 direct deposits for 3 months
• extra $250 for spending $500 on debit card

Saw plenty data points on doctorofcredit saying it's easy CU to join out of state, just need a small membership donation.

What you guys think? Worth it for this CU? I don't see any talk about their credit cards or other services. Cheers

I think they're fine. I like their very personal customer service. Yes it used to be MECU -- Motorola Employees Credit Union. And its name is changing again, because it's merging with Consumers Credit Union.

I would advise you to grab the offer.

Re: Any thoughts on Andigo CU? They currently have $250/500 SUB for opening checking account

SouthJamaica — Sat, 16 May 2020 12:35:24 GMT

@Revelate wrote:
Can't speak to service levels.

Rates about .25% over others on various products; credit cards are totally average. Didn't really get further.

If their service is good then probably worth using but they aren't lighting the world (or the forum) on fire with their products.

I don't know about lighting the forum on fire, but I'm happy as a clam with my 9.65%, no-balance-transfer-fee, platinum Visa card, and their highly personalized customer service.

BTW @Revelate I'm newer to this forum than you are, but even I can think of some real stinkers who lit this forum on fire ... for a moment. You can probably think of even more

Re: Any thoughts on Andigo CU? They currently have $250/500 SUB for opening checking account

Revelate — Sat, 16 May 2020 14:20:17 GMT

@SouthJamaica wrote:
@Revelate wrote:
Can't speak to service levels.

Rates about .25% over others on various products; credit cards are totally average. Didn't really get further.

If their service is good then probably worth using but they aren't lighting the world (or the forum) on fire with their products.
I don't know about lighting the forum on fire, but I'm happy as a clam with my 9.65%, no-balance-transfer-fee, platinum Visa card, and their highly personalized customer service.

BTW @Revelate I'm newer to this forum than you are, but even I can think of some real stinkers who lit this forum on fire ... for a moment. You can probably think of even more

Well there's that haha. Forum furor over our near-gamification / approval junkie of credit limits has generated some truly absurd applications.

Also admittedly different cards for different reasons: I don't need a 8-9% BT card in my financial setup... and it seems 0% offers are available easily enough that it doesn't make much sense unless you have to shuffle money around a lot.

I know your situation is different but I would have figured with your asset restrictions you would be using any excess to pay off your revolving debt so longer term does this card make sense or is it just a temporary use case at admittedly a more attractive APR than a rewards card?

Re: Any thoughts on Andigo CU? They currently have $250/500 SUB for opening checking account

SouthJamaica — Sat, 16 May 2020 15:51:14 GMT

@Revelate wrote:
@SouthJamaica wrote:
@Revelate wrote:
Can't speak to service levels.

Rates about .25% over others on various products; credit cards are totally average. Didn't really get further.

If their service is good then probably worth using but they aren't lighting the world (or the forum) on fire with their products.
I don't know about lighting the forum on fire, but I'm happy as a clam with my 9.65%, no-balance-transfer-fee, platinum Visa card, and their highly personalized customer service.

BTW @Revelate I'm newer to this forum than you are, but even I can think of some real stinkers who lit this forum on fire ... for a moment. You can probably think of even more
Well there's that haha. Forum furor over our near-gamification / approval junkie of credit limits has generated some truly absurd applications.

Also admittedly different cards for different reasons: I don't need a 8-9% BT card in my financial setup... and it seems 0% offers are available easily enough that it doesn't make much sense unless you have to shuffle money around a lot.

I know your situation is different but I would have figured with your asset restrictions you would be using any excess to pay off your revolving debt so longer term does this card make sense or is it just a temporary use case at admittedly a more attractive APR than a rewards card?

For me it's a valuable long term card. I've had it for almost 4 years now, and wouldn't even consider voluntarily dropping it unless the terms or the service changed materially.

Did you say "excess"? I don't have any excess But if I did I'd be paying off lots of other accounts before that one.

And the service is one of a kind. I deal with the same person all the time, and get things done in milliseconds compared to what it takes to get things done with other institutions. E.g., when I do a balance transfer, it's always done electronically and is completed within 2 days.