topic Re: NFCU Membership in Personal Finance

NFCU Membership

Anonymous — Tue, 24 Apr 2018 23:41:54 GMT

Does anyone know if just opening a Checking / Savings with NFCU is going to result in a hard pull on my reports? I just called in and opened the account today and the lady who helped me said it would just be a soft pull. However after doing some searching on the forums it seem they might pull my TU?

Re: NFCU Membership

Anonymous — Tue, 24 Apr 2018 23:47:09 GMT

@Anonymous wrote:
Does anyone know if just opening a Checking / Savings with NFCU is going to result in a hard pull on my reports? I just called in and opened the account today and the lady who helped me said it would just be a soft pull. However after doing some searching on the forums it seem they might pull my TU?

No hard inq for me....good luck...

Re: NFCU Membership

Anonymous — Tue, 24 Apr 2018 23:59:45 GMT

@Anonymous wrote:
@Anonymous wrote:
Does anyone know if just opening a Checking / Savings with NFCU is going to result in a hard pull on my reports? I just called in and opened the account today and the lady who helped me said it would just be a soft pull. However after doing some searching on the forums it seem they might pull my TU?
No hard inq for me....good luck...

I may have been mistaken about this. I think they did HP me for membership....sorry for the bogus info...

Re: NFCU Membership

shoegal — Wed, 25 Apr 2018 00:25:39 GMT

I joined in January no hard pull for me.

Re: NFCU Membership

Anonymous — Wed, 25 Apr 2018 00:25:42 GMT

Mine was a SP for membership and a HP for the Cash Rewards & CLOC. I have heard of others with a different experience, but I believe the “norm” is SP for membership. As always through, YMMV.

Re: NFCU Membership

Anonymous — Wed, 25 Apr 2018 00:33:46 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Does anyone know if just opening a Checking / Savings with NFCU is going to result in a hard pull on my reports? I just called in and opened the account today and the lady who helped me said it would just be a soft pull. However after doing some searching on the forums it seem they might pull my TU?
No hard inq for me....good luck...
I may have been mistaken about this. I think they did HP me for membership....sorry for the bogus info...

I just checked again and no HP for me either.....I was right form the start...sorry for the confusion...

Re: NFCU Membership

Anonymous — Thu, 26 Apr 2018 01:02:58 GMT

Hard pull for membership, hard pull for CLOC and yes, a HP for my Platinum card. Everything I've done since has been a HP. All pulls are either TU or EQ.

With NFCU (whom I love BTW), when in doubt, it's a hard pull. I've taken my share of HPs. It's probably overkill on NFCU's part, but still worth it IMHO.

YMMV

EDITED 4/25: I joined NFCU in December of 2017. Timing is everything.

Re: NFCU Membership

FinStar — Wed, 25 Apr 2018 00:50:50 GMT

@Anonymous wrote:
Hard pull for membership, hard pull for CLOC and yes, a HP for my Platinum card. Everything I've done since has been a HP. All pulls are either TU or EQ.

With NFCU (whom I love BTW), when in doubt, it's a hard pull. I've taken my share of HPs. It's probably overkill on NFCU's part, but still worth it IMHO.

YMMV

Same experience on my end. HP all the way (membership and all), but happy with the results nonetheless. In fact, I think I just got another HP for typing this NFCU reply The only SP that I recall was just a few days ago on a CLI, but this was shortly after their AR.

Re: NFCU Membership

AverageJoesCredit — Wed, 25 Apr 2018 01:08:06 GMT

Lol Finstar got a sympathy hp

I'm same, all hp and no sp MAKES AJC a very dull joe

Re: NFCU Membership

Anonymous — Wed, 25 Apr 2018 03:12:50 GMT

I've heard/read NFCU stopped doing hard pulls for savings upon membership.

Probably still a yes for checking.

I'm so fortunate to be a member. Love it.

Re: NFCU Membership

Anonymous — Wed, 25 Apr 2018 03:28:32 GMT

Just joined last 2 weeks NO HP

Re: NFCU Membership

Anonymous — Wed, 25 Apr 2018 03:38:49 GMT

Thanks for all of the feedback! I’m sick of BOFA after reading the forums I’ve only read positive things about NFCU. Never dawned on me that I could join until I remembered my grandfather retired from the Navy. Switching my banking over to them and once I exit the garden hopefully get some shiny new plastic.

Re: NFCU Membership

Anonymous — Wed, 25 Apr 2018 03:50:52 GMT

@Anonymous wrote:
I've heard/read NFCU stopped doing hard pulls for savings upon membership.

Probably still a yes for checking.

I'm so fortunate to be a member. Love it.

YESSS they stop doing HP since January 2018 for membership or to open checking and saving acct.

I joined them January 2018 and no HP. But for their Credit cards and others, will be still a Hard Pull.

Re: NFCU Membership

pipeguy — Wed, 25 Apr 2018 06:03:13 GMT

NFCU did a hard pull for my Mortgage in February, does that count?

Re: NFCU Membership

Anonymous — Wed, 25 Apr 2018 11:56:34 GMT

I joined two weeks ago, opening a savings/checking account. Was no HP. The representative I spoke with at the time confirmed what prior poster said about not doing HP for membership since January. I think they are still likely to pull TU for credit though and EQ for CLI.

Re: NFCU Membership

601flyguy — Tue, 01 May 2018 13:06:24 GMT

Wow where have I been... I didnt know they stopped the HP on membership. I need business and personal banking/credit.

Re: NFCU Membership

EAJuggalo — Mon, 07 May 2018 01:19:30 GMT

My membership was only a SP in Dec. 2017. HP for everything else I've applied for.