topic Re: NFCU? in Credit Cards

NFCU?

Anonymous — Fri, 27 Mar 2015 07:02:39 GMT

Okay, seen some awesome limits on this card & want one later. Just want some info if anyone can help. My dad is a veteran from the Air Force. My daughter is doing another round of the reserves. If they open a checking or savings acccount, can I apply for a savings account & then a cc? I was looking on the net for any info on this. Not sure if that's how it works? Thx

Re: NFCU?

JagerBombs89 — Fri, 27 Mar 2015 09:57:09 GMT

Per the NFCU eligibility page:

"Congratulations! If you have grandparents, parents, a spouse, siblings, grandchildren or children who are already part of Navy Federal Credit Union, you're eligible for membership."

Re: NFCU?

Anonymous — Sat, 28 Mar 2015 04:45:23 GMT

Ahhh! Thanks so much! Just what I wanted to hear!

Re: NFCU?

Creditwiser — Sat, 28 Mar 2015 04:46:58 GMT

You're good to go....Get in there !

Re: NFCU?

Anonymous — Sat, 28 Mar 2015 04:51:37 GMT

I will. Still following your story. Hope everything works out for you. Scores are still not bad. I'm sure I'll see you back here right where you were before!

Re: NFCU?

JediNeo — Sat, 28 Mar 2015 09:30:53 GMT

Your dad and daughter do not need to open an account for you to apply. It might be easier for verification issues but it's not mandatory.

Re: NFCU?

JagerBombs89 — Sat, 28 Mar 2015 12:14:36 GMT

@JediNeo wrote:
Your dad and daughter do not need to open an account for you to apply. It might be easier for verification issues but it's not mandatory.

Where exactly does NFCU state that? If you go to their eligibility page and click "NO" for their questions, they state you are NOT eligible. Those questions are:

1) Are you affiliated in any way with the Armed Forces, DoD, Coast Guard or National Guard?

2) Is someone in your family already a Navy Federal member?

3) Is someone in your household already a Navy Federal member?

Result - >

Unfortunately, you aren't eligible for membership with Navy Federal Credit Union.

Re: NFCU?

Anonymous — Sat, 28 Mar 2015 13:10:36 GMT

@JagerBombs89 wrote:
@JediNeo wrote:
Your dad and daughter do not need to open an account for you to apply. It might be easier for verification issues but it's not mandatory.

Where exactly does NFCU state that? If you go to their eligibility page and click "NO" for their questions, they state you are NOT eligible. Those questions are:
1) Are you affiliated in any way with the Armed Forces, DoD, Coast Guard or National Guard?
2) Is someone in your family already a Navy Federal member?
3) Is someone in your household already a Navy Federal member?
Result - >
Unfortunately, you aren't eligible for membership with Navy Federal Credit Union.

If he is a parent of a Department of Defense reservist, he's eligible to join. He does not need them to be a member.

Re: NFCU?

Creditaddict — Sat, 28 Mar 2015 14:40:49 GMT

you will have to call and do the app over the phone if neither of them are members.

If one of them joins and you have the access number then you can join online - way easier!

however not easier because they have to join... but really they should join anyway!!

Re: NFCU?

JagerBombs89 — Sat, 28 Mar 2015 22:30:33 GMT

@Anonymous wrote:
If he is a parent of a Department of Defense reservist, he's eligible to join. He does not need them to be a member.

Thanks Irish. I thought NFCU was like USAA where your sponsor actually had to be a member first because for family member's it states "Once your family mmebers have jioned, their family members are aslo eligibile for membership." For instance (made up example):

1) My dad is in the military.

2) My brother's wife wants to join NFCU

3) Brother's wife's sister wants to join NFCU

If brother is not a member of NFCU, how is the wife's sister eligible? They are all "family members" of an eligible family member.

Re: NFCU?

Anonymous — Sun, 29 Mar 2015 00:37:14 GMT

"Are you affiliated in any way with the Armed Forces, DoD, Coast Guard or National Guard?"

"Congratulations! If you have grandparents, parents, a spouse, siblings, grandchildren or children who belong to one of those groups, you're eligible for membership with Navy Federal Credit Union."

My father is retired US Army, my brother is Air For Reserves, I live with neither of them and I qualified for membership. Neither of them have an account with NFCU nor are they required to open one in order to sponsor me.

If you are related to someone who would qualify you then you should have answered yes to the firat question because you ARE AFFILIATED through your relationship.

Re: NFCU?

cody205 — Tue, 14 Apr 2015 19:49:23 GMT

It would be much easier to have your family member join, and then you join under them. I just got my girlfriend(who lives with me) a membership. They didn't even ask for her ID or anything. They just verified my access number, and address information, etc then did the application for her. She gave them her address, and everything was fine! It's easy and affordable, too. Only $5.00 for membership.

Re: NFCU?

chbartel — Thu, 07 May 2015 18:03:40 GMT

@cody205 wrote:
It would be much easier to have your family member join, and then you join under them. I just got my girlfriend(who lives with me) a membership. They didn't even ask for her ID or anything. They just verified my access number, and address information, etc then did the application for her. She gave them her address, and everything was fine! It's easy and affordable, too. Only $5.00 for membership.

I just chatted with NFCU asking them this specifically. She said that the family member doesn't have to be a member for someone under them to join....as long as the person they are joining under was one in the required categories. She did say I need to call in to do the membership on the phone. I asked what information I need from father, they said nothing but would contact me later if they need anything else. How do they verify someone was miliary, some type of database somewhere??

Re: NFCU?

NYFan63 — Thu, 07 May 2015 18:09:12 GMT

I joined NFCU over a year ago due to my father being a deceased Air Force retiree

Re: NFCU?

baller4life — Thu, 07 May 2015 18:12:04 GMT

My mother just called and provided my uncle's name, dob,military rank when he retired and last base he worked. Easy peasy. She was approved in a couple days. Not sure if they check some sort of database.

Re: NFCU?

gibeon — Fri, 08 May 2015 01:55:28 GMT

After seeing this thread, I just applied online. Father passed while in the AF reserves, mother is retired AF nurse.

That was the FASTEST bank account setup and funding I've ever seen. My new checking and savings are already showing my initial deposits as available balance.

Will probably end up with their secured card in a few weeks, unless they're feeling REALLY generous.

Re: NFCU?

chbartel — Fri, 08 May 2015 01:58:38 GMT

@gibeon wrote:
After seeing this thread, I just applied online. Father passed while in the AF reserves, mother is retired AF nurse.

That was the FASTEST bank account setup and funding I've ever seen. My new checking and savings are already showing my initial deposits as available balance.

Will probably end up with their secured card in a few weeks, unless they're feeling REALLY generous.

my wife applied on the phone(since online chat told me to). Her brother retired from army. They got account setup wtihin like 5 minutes and actually never even asked for my wife's brothers name, etc!! We just applied for a car loan after joining and have conditional approval for $50k...just sent them bank statements and tax return for last year. Our credit scores are in the 630's right now as we rebuild. I guess I will research their secure cards..

Re: NFCU?

Creditaddict — Fri, 08 May 2015 02:01:22 GMT

@chbartel wrote:
@gibeon wrote:
After seeing this thread, I just applied online. Father passed while in the AF reserves, mother is retired AF nurse.

That was the FASTEST bank account setup and funding I've ever seen. My new checking and savings are already showing my initial deposits as available balance.

Will probably end up with their secured card in a few weeks, unless they're feeling REALLY generous.
my wife applied on the phone(since online chat told me to). Her brother retired from army. They got account setup wtihin like 5 minutes and actually never even asked for my wife's brothers name, etc!! We just applied for a car loan after joining and have conditional approval for $50k...just sent them bank statements and tax return for last year. Our credit scores are in the 630's right now as we rebuild. I guess I will research their secure cards..

you have NO reason to go secured... Apply for any of the regular credit cards other than Flagship.

Re: NFCU?

Anonymous — Fri, 08 May 2015 04:31:04 GMT

i got in with NFCU over the phone due to my grandparent being in. all they did was credit check me. if you're above 550 then they approve you automatically. if you're below then they check the records of your eligible family member.

also, if you're at least 550 then they'll approve you for an auto loan in 24 hours or under lol. they be cray cray

Re: NFCU?

Anonymous — Fri, 08 May 2015 04:32:04 GMT

when i sold cars in an army town and we couldn't get a soldier approved we sent them to navy and they came back with a check in hand that day.