topic Re: RBFCU Membership Eligibility Question in Personal Finance

RBFCU Membership Eligibility Question

MyDataMyChoice — Mon, 20 Aug 2018 03:07:46 GMT

Does anyone know the member eligibility for RBFCU

https://www.rbfcu.org/loans/credit-cards

Re: RBFCU Membership Eligibility Question

Pikaboo-icu — Mon, 20 Aug 2018 03:24:56 GMT

It's in their FAQ's, you just have to try to join and then they tell you.. Kinda silly but.... /shrugs

How do I qualify for membership with RBFCU?

There are several ways to qualify for membership with RBFCU. Common ways to qualify for membership include your employer, place of worship, community organization, neighborhood or school. You may also qualify through immediate family members who are part of the credit union (spouse, children, parents, siblings, stepchildren, adopted relatives, etc.). You can complete a short online application to see if you qualify for membership.

If you are unable to qualify through any of the options listed above, you may contact us and our member service specialists can help you determine if there are additional opportunities to qualify.

Re: RBFCU Membership Eligibility Question

CreditCuriosity — Mon, 20 Aug 2018 10:52:51 GMT

There is also a work around by joing a parent teachers association or something like that in one of the areas in TX which makes you eligable or did at one point in time and I believe that loop hole still exists

Re: RBFCU Membership Eligibility Question

bigpoppa09 — Mon, 20 Aug 2018 11:04:53 GMT

@CreditCuriosity wrote:
There is also a work around by joing a parent teachers association or something like that in one of the areas in TX which makes you eligable or did at one point in time and I believe that loop hole still exists

I read a while back in the big thread that baller started that way in is dead if OP doesn't qualify for the normal ways to get if they are a TX resident they can join the American Consumer Council that will get u in.

Re: RBFCU Membership Eligibility Question

Anonymous — Wed, 22 Aug 2018 03:16:01 GMT

Wow! I got lost on their website for a good while. Interesting different account options. Looks like a really good credit union to join.

Re: RBFCU Membership Eligibility Question

jacetx — Wed, 22 Aug 2018 19:09:56 GMT

A few things to consider about RBFCU (I bank with them):

Pros:

- Free checks.

- Can use same pull for credit products.

- Chat function during business hours.

- My mobile deposit funds are available instantly.

- App is nice and their online banking services are up 99.99% of the time.

Cons:

- As a lender they are conservative.

- 2% Cash Rewards card is issued once a year.

- Not able to do cash deposits at ATM, only in Drive Thru.

Re: RBFCU Membership Eligibility Question

Anonymous — Wed, 22 Aug 2018 23:16:04 GMT

I don’t like conservative @jacetx

One bit..

Re: RBFCU Membership Eligibility Question

MyDataMyChoice — Fri, 24 Aug 2018 01:24:09 GMT

isnt there CLOC a hidden LOC?

Re: RBFCU Membership Eligibility Question

jacetx — Fri, 24 Aug 2018 02:43:30 GMT

@MyDataMyChoice wrote:
isnt there CLOC a hidden LOC?

Not anymore, I have it and it reports.

Re: RBFCU Membership Eligibility Question

Anonymous — Mon, 01 Oct 2018 20:48:59 GMT

@jacetx wrote:
A few things to consider about RBFCU (I bank with them):

Pros:
- Free checks.
- Can use same pull for credit products.
- Chat function during business hours.
- My mobile deposit funds are available instantly.
- App is nice and their online banking services are up 99.99% of the time.

Cons:
- As a lender they are conservative.
- 2% Cash Rewards card is issued once a year.
- Not able to do cash deposits at ATM, only in Drive Thru.

That's a nice list -- thank you.

Questions: Is it a hard pull to join? Do they use TU ezclusively for credit underwriting?

Re: RBFCU Membership Eligibility Question

Anonymous — Tue, 02 Oct 2018 12:13:45 GMT

@James_A

I applied for their credit card yesterday before becoming a member and was approved. Pulled TU immediately, since I was approved I went ahead and took the steps to become a member. Takes 2 days for online memberships to process.

Re: RBFCU Membership Eligibility Question

Anonymous — Tue, 02 Oct 2018 14:15:29 GMT

@Anonymous wrote:
@Anonymous

I applied for their credit card yesterday before becoming a member and was approved. Pulled TU immediately, since I was approved I went ahead and took the steps to become a member. Takes 2 days for online memberships to process.

Thanks, D.

I was thinking of getting my membership now & apping when my NFCU AR update comes around in early November. If there's not a HP then no reason to wait for membership.

But I'm feeling it's a HP -- waiting for confirmation ...

Re: RBFCU Membership Eligibility Question

Anonymous — Wed, 03 Oct 2018 14:33:58 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous

I applied for their credit card yesterday before becoming a member and was approved. Pulled TU immediately, since I was approved I went ahead and took the steps to become a member. Takes 2 days for online memberships to process.
Thanks, D.
I was thinking of getting my membership now & apping when my NFCU AR update comes around in early November. If there's not a HP then no reason to wait for membership.
But I'm feeling it's a HP -- waiting for confirmation ...

I know this may not help much but I did some research and RBFCU back in 2016 did pull TU Fico8 for membership, whether that policy has changed or not I don't know. Once my credit card arrives and is active I will apply for the ploc.

*HP good for 45 Days

*TU 720+ gets their best products

*You can get both credit cards and merge them but they have an internal limit like PenFed's $50K although I don't how much