topic Re: White House Credit Union in Credit Cards

White House Credit Union

Anonymous — Sat, 31 Jan 2015 04:59:02 GMT

Does anyone have any information on the White House Credit Union?

I'm interested in their gold visa card comes with an apr as low as 6.25% and it applies to purchases, balance transfers and cash advances.

Re: White House Credit Union

TheGardner — Sat, 31 Jan 2015 05:13:52 GMT

It's Prime + 6.25 so 9.5%

Barclaycard Ring MC is only 8%

Re: White House Credit Union

Anonymous — Sat, 31 Jan 2015 05:15:53 GMT

State Dept CU is 6.99. I know Apple FCU is lower but there is no backdoor membership

Re: White House Credit Union

Anonymous — Sat, 31 Jan 2015 05:25:59 GMT

I could get 9.0 through my current CU.

I still want that Ring.

Re: White House Credit Union

Anonymous — Sat, 31 Jan 2015 14:22:07 GMT

@TheGardner wrote:
It's Prime + 6.25 so 9.5%

Barclaycard Ring MC is only 8%

Thanks! I guess i didn't realize that..

I should probably get the Ring MC then!

Re: White House Credit Union

NRB525 — Sat, 31 Jan 2015 17:04:37 GMT

Is there any more exclusive CU than The White House CU?

It looks like you either have to work on the WH campus, or be related to someone who does, and you can't just make a $20 donation to a presidential library to get membership. Or you could get elected President.

Re: White House Credit Union

Anonymous — Sat, 31 Jan 2015 17:13:55 GMT

I have no idea about the WHCU, but I kinda want one now just because of its connotation..

Re: White House Credit Union

pipeguy — Sat, 31 Jan 2015 17:29:00 GMT

Savings and loan rates are not that good - DCU, PenFed and NFCU are all better.

From what I've seen, smaller credit unions are not that great compared to larger ones, such as Dept of Labor FCU has been around for a long time but they are tiny compared to DCU, PenFed and NFCU, etc. The larger the CU the better the rates and more often they say "yes" to CC's and other loans.

I have current membership(s) in PenFed, DCU, Congressional FCU and NASA FCU - recently closed DOLFCU and Dept of Commerce FCU.

Just my 2 cents....

Re: White House Credit Union

gmason — Sat, 31 Jan 2015 17:54:22 GMT

@pipeguy wrote:
Savings and loan rates are not that good - DCU, PenFed and NFCU are all better.

From what I've seen, smaller credit unions are not that great compared to larger ones, such as Dept of Labor FCU has been around for a long time but they are tiny compared to DCU, PenFed and NFCU, etc. The larger the CU the better the rates and more often they say "yes" to CC's and other loans.

I have current membership(s) in PenFed, DCU, Congressional FCU and NASA FCU - recently closed DOLFCU and Dept of Commerce FCU.

Just my 2 cents....

For flexibility, the CUs rock. I have acocunts at PenFed, DCU, Congressional FCU and a small local one in my town.

Of all the CUs, Congressional FCU has been the best for me. There is a back door (I think) to get membership. And the credit card is at 8.5% and LOC at 11.9%. They also did auto-CLI for me from $7500 to $10k at just over 1 year.

Re: White House Credit Union

Anonymous — Sat, 31 Jan 2015 19:54:43 GMT

@gmason wrote:
@pipeguy wrote:
Savings and loan rates are not that good - DCU, PenFed and NFCU are all better.

From what I've seen, smaller credit unions are not that great compared to larger ones, such as Dept of Labor FCU has been around for a long time but they are tiny compared to DCU, PenFed and NFCU, etc. The larger the CU the better the rates and more often they say "yes" to CC's and other loans.

I have current membership(s) in PenFed, DCU, Congressional FCU and NASA FCU - recently closed DOLFCU and Dept of Commerce FCU.

Just my 2 cents....
For flexibility, the CUs rock. I have acocunts at PenFed, DCU, Congressional FCU and a small local one in my town.

Of all the CUs, Congressional FCU has been the best for me. There is a back door (I think) to get membership. And the credit card is at 8.5% and LOC at 11.9%. They also did auto-CLI for me from $7500 to $10k at just over 1 year.

Don't see a general back door for Congressional. Have to be in one of 100+ groups, but nothing by donaton that I can see.

Re: White House Credit Union

Anonymous — Sat, 31 Jan 2015 20:05:58 GMT

@Anonymous wrote:
@gmason wrote:
@pipeguy wrote:
Savings and loan rates are not that good - DCU, PenFed and NFCU are all better.

From what I've seen, smaller credit unions are not that great compared to larger ones, such as Dept of Labor FCU has been around for a long time but they are tiny compared to DCU, PenFed and NFCU, etc. The larger the CU the better the rates and more often they say "yes" to CC's and other loans.

I have current membership(s) in PenFed, DCU, Congressional FCU and NASA FCU - recently closed DOLFCU and Dept of Commerce FCU.

Just my 2 cents....
For flexibility, the CUs rock. I have acocunts at PenFed, DCU, Congressional FCU and a small local one in my town.

Of all the CUs, Congressional FCU has been the best for me. There is a back door (I think) to get membership. And the credit card is at 8.5% and LOC at 11.9%. They also did auto-CLI for me from $7500 to $10k at just over 1 year.
Don't see a general back door for Congressional. Have to be in one of 100+ groups, but nothing by donaton that I can see.

Funny that you should mention that ther is no backdoor membership route. Maybe there was at once. Came across this letter from about year and half ago from Nationsl Credit aUnion Administration to credit unions. Makes me wonder if some closed their 'open' membership'

Dear Board of Directors and Chief Executive Officer:
If your credit union is advertising that anyone, without limitation, is able to become a member of your credit union, then you may be in violation of federal law and regulation.

Some overly aggressive marketing campaigns by federal credit unions to facilitate membership through associational groups are providing consumers with misleading information about single and multiple common bond membership requirements.

NCUA is particularly concerned about advertising by federal credit unions stating their fields of membership are “open to anyone.” Several recent examples of such overly expansive advertising focus on becoming a credit union member by first joining a particular association. Mainstream financial publications have picked up on this message, as evidenced by recent articles listing federal credit unions perceived to have “open” membership. This gives the false impression that there are no restrictions on joining a federal credit union—which is not the case.

Re: White House Credit Union

Anonymous — Sat, 31 Jan 2015 20:09:22 GMT

@NRB525 wrote:
Is there any more exclusive CU than The White House CU?

It looks like you either have to work on the WH campus, or be related to someone who does, and you can't just make a $20 donation to a presidential library to get membership. Or you could get elected President.

So, at a presdential debate: "What would you want to accomplish in your term of office if elected?"

"Good question. My first priority would be to open an account with the White House FCU. Then get a credit card or two. And maybe a LOC. And outside that, I'm sure other things will come up from time to time."

Re: White House Credit Union

Anonymous — Sat, 31 Jan 2015 21:01:55 GMT

@Anonymous wrote:
State Dept CU is 6.99. I know Apple FCU is lower but there is no backdoor membership

Yes there is ... well kind of, it depends on what you consider 'backdoor membership'

If you live, work, or worship inside Fairfax or Prince William county you can join. Just tell them your church is inside one of those counties (do have a name in mind) and they'll get you in. They won't verify religion... *I'm pretty sure Loudoun county works as well.

Or you can tell the banker you want to "donate" $20 to NVADACA and they'll overlook all other criterias.

Re: White House Credit Union

Anonymous — Sat, 31 Jan 2015 21:03:59 GMT

@Anonymous wrote:
@Anonymous wrote:
State Dept CU is 6.99. I know Apple FCU is lower but there is no backdoor membership
Yes there is ... well kind of, it depends on what you consider 'backdoor membership'

If you live, work, or worship inside Fairfax or Prince William county you can join. Just tell them your church is inside one of those counties (do have a name in mind) and they'll get you in. They won't verify religion... *I'm pretty sure Loudoun county works as well.

Or you can tell the banker you want to "donate" $20 to NVADACA and they'll overlook all other criterias.

Didn't know that. Thanks! I live in Maryland so it's possible I attend church there 😀. $20 isn't bad either for their low APR cards

Re: White House Credit Union

Anonymous — Sat, 31 Jan 2015 21:30:10 GMT

@Anonymous wrote:
Didn't know that. Thanks! I live in Maryland so it's possible I attend church there 😀. $20 isn't bad either for their low APR cards

Yup, totally possible. And they won't ask for any documentation or proof. That's a fairly touchy subject they'd rather not get into. But what they might do is ask for the church info (type, name, addy)

Re: White House Credit Union

Themanwhocan — Sat, 31 Jan 2015 21:33:36 GMT

Does University FCU have fairly open membership?

They have a Prime + 2.65% credit card...

Re: White House Credit Union

Anonymous — Sat, 31 Jan 2015 21:59:05 GMT

@Anonymous wrote:
I could get 9.0 through my current CU.

I still want that Ring.

You need only ask! The "ring" that is

Re: White House Credit Union

Themanwhocan — Sat, 31 Jan 2015 22:07:42 GMT

@Themanwhocan wrote:
Does University FCU have fairly open membership?

They have a Prime + 2.65% credit card...

Looks like if you don't otherwise qualify, then it costs a dollar to join University FCU...

Re: White House Credit Union

Anonymous — Sat, 31 Jan 2015 22:52:08 GMT

@Themanwhocan wrote:
@Themanwhocan wrote:
Does University FCU have fairly open membership?

They have a Prime + 2.65% credit card...
Looks like if you don't otherwise qualify, then it costs a dollar to join University FCU...

But theur cashback card is really bad!

Re: White House Credit Union

Anonymous — Sat, 31 Jan 2015 22:57:22 GMT

What do you want their cashback card when they offer a 5.90% APR card?