topic Re: NFCU questions in Credit Cards

NFCU questions

Anonymous — Mon, 10 Dec 2012 02:40:03 GMT

Since everyone seems to love NFCU, I'm thinking of joining but have a few questions.

1) Can I join since my brother is currently active duty Army, though he is not a member of NFCU? The website makes it seem like as long as a family member is eligible for membership, then you are eligible as well.

2) Does anyone know how much $$ they make you deposit to open the account (assuming I am eligible to join)?

3) Last question, do they do a hard pull for membership, and if so, can that same pull be used for a credit card application?

If anyone can shed a little light on this, I'd really appreciate it. It sounds like NFCU is a great place to be a part of, so I'd really like to get in on it if I can!

Re: NFCU questions

wallyworld123 — Mon, 10 Dec 2012 02:50:11 GMT

@Anonymous wrote:
Since everyone seems to love NFCU, I'm thinking of joining but have a few questions.

1) Can I join since my brother is currently active duty Army, though he is not a member of NFCU? The website makes it seem like as long as a family member is eligible for membership, then you are eligible as well.

2) Does anyone know how much $$ they make you deposit to open the account (assuming I am eligible to join)?

3) Last question, do they do a hard pull for membership, and if so, can that same pull be used for a credit card application?

If anyone can shed a little light on this, I'd really appreciate it. It sounds like NFCU is a great place to be a part of, so I'd really like to get in on it if I can!

you can join but your brother have to become a member first. I believe its 5 bucks to open a saving with them and hard pull for membership and credit card will definitely be two separate pulls. Nfcu is excellent i do love them!

Re: NFCU questions

nicholasyud — Mon, 10 Dec 2012 02:54:19 GMT

USAA should be good too if you not qualify for NFCU

Re: NFCU questions

scarzy — Mon, 10 Dec 2012 02:56:45 GMT

Hi!

1) I think your brother would have to join since you would need an access number to join.

2) For savings -5 dollars

For checking - zero

3} Yes, they hard pulled equifax for membership, and hard pulled for credit card since they are 2 separate entities.

Now, the way I understood it, if you apply for any types of credit, they will use the same credit report up to 30 days. That

what a rep told me.

So, that means, apply for a credit card, line of credit , and personal or auto loan at the same 30 days time frame.

Re: NFCU questions

j_casteel — Mon, 10 Dec 2012 03:11:24 GMT

@Anonymous wrote:
Since everyone seems to love NFCU, I'm thinking of joining but have a few questions.

1) Can I join since my brother is currently active duty Army, though he is not a member of NFCU? The website makes it seem like as long as a family member is eligible for membership, then you are eligible as well.

2) Does anyone know how much $$ they make you deposit to open the account (assuming I am eligible to join)?

3) Last question, do they do a hard pull for membership, and if so, can that same pull be used for a credit card application?

If anyone can shed a little light on this, I'd really appreciate it. It sounds like NFCU is a great place to be a part of, so I'd really like to get in on it if I can!

I just joined as well...

My wifes brother is active USAF so he joined, and my wife joined through him, and I joined through her.

You need to deposit at least $5 into a savings account.

It was a HP on TU for us, but YMMV.

Good Luck!

Re: NFCU questions

webhopper — Mon, 10 Dec 2012 03:34:23 GMT

From what ive read; your brother may need to join too. But its only 5 bucks... In my experience, every new product has required a hard pull except opening the e checking. The HPs are definately worth it as they gave me 15k navcheck; 22k cash rewards card; and saved me 3.5% on my old car loan and 1.79% on a new car loan.

Re: NFCU questions

Anonymous — Mon, 10 Dec 2012 03:35:49 GMT

Iam not agree for number 3. They SP me for membership. But credit card and any type of credit. They are happy puller lol

Re: NFCU questions

Anonymous — Mon, 10 Dec 2012 03:56:41 GMT

Wow there is a lot of agreement about a simple incorrect fact in this thread.

Your brother does not need to join simply be eligible. I can't blame others for being ignorant regarding this as most NFCU CSR's aren't aware that you are eligible to join as long as an immediate family member is eligible.

Keep in mind you will have to call in to join as it cannot be done online if your brother is not a member (and as I said some CSR's are unaware that this is a viable option so you may have to speak with a supervisor or you could just call back and get a CSR who knows their job better).

NFCU will pull a hard for membership and they will not re-use pulls so one for membership and one for your card app. They pull either TU or EQ depending on where you live. Good luck OP

Oh and almost all CU's require $5 be deposited in a share savings NFCU included.

Re: NFCU questions

Anonymous — Mon, 10 Dec 2012 04:05:43 GMT

@Anonymous wrote:
Since everyone seems to love NFCU, I'm thinking of joining but have a few questions.

1) Can I join since my brother is currently active duty Army, though he is not a member of NFCU? The website makes it seem like as long as a family member is eligible for membership, then you are eligible as well.

2) Does anyone know how much $$ they make you deposit to open the account (assuming I am eligible to join)?

3) Last question, do they do a hard pull for membership, and if so, can that same pull be used for a credit card application?

If anyone can shed a little light on this, I'd really appreciate it. It sounds like NFCU is a great place to be a part of, so I'd really like to get in on it if I can!

For number 1: Its possible to join if he isnt a member however it seems lately alot of CSR's with NFCU are new and will tell you that your brother must be a member before you can join. Are you sure he isnt a member? I have alot of military family and all of them have told me upon start up they were all offered NFCU products so there is a big chance he may already be a member.

2: like already stated 5 bucks into a share saving account

3: HP on TU for membership 95% chance a CC app will be HP on EQ if not its going on TU.

They are HP happy so if you are told one HP for multiple products then expect an HP for any credit product you app for

Re: NFCU questions

Anonymous — Mon, 10 Dec 2012 04:06:23 GMT

@Anonymous wrote:
Iam not agree for number 3. They SP me for membership. But credit card and any type of credit. They are happy puller lol

check TU the HP will be there

Re: NFCU questions

Anonymous — Mon, 10 Dec 2012 04:47:07 GMT

I member with EQ and myfico. When they opened my member. They SP on my EQ. I see they SP. they do HP when I apply for CC

Re: NFCU questions

Anonymous — Mon, 10 Dec 2012 05:06:42 GMT

You need to check your transunion report

Re: NFCU questions

Anonymous — Mon, 10 Dec 2012 05:09:03 GMT

@Anonymous wrote:
You need to check your transunion report

They pulled hard on TU and then softed EQ on the same day when I applied.

Re: NFCU questions

webhopper — Mon, 10 Dec 2012 05:12:54 GMT

@Anonymous wrote:
Wow there is a lot of agreement about a simple incorrect fact in this thread.

Your brother does not need to join simply be eligible. I can't blame others for being ignorant regarding this as most NFCU CSR's aren't aware that you are eligible to join as long as an immediate family member is eligible.

Keep in mind you will have to call in to join as it cannot be done online if your brother is not a member (and as I said some CSR's are unaware that this is a viable option so you may have to speak with a supervisor or you could just call back and get a CSR who knows their job better).

NFCU will pull a hard for membership and they will not re-use pulls so one for membership and one for your card app. They pull either TU or EQ depending on where you live. Good luck OP

Oh and almost all CU's require $5 be deposited in a share savings NFCU included.

Ive seen cases on this board where memberships were revoked by the security department due to the family member not being a full member... that's why I prefer to always encourage folks to get the eligible member to join. Seems like this is a more secure way to join with no issues down the road.

Re: NFCU questions

Anonymous — Mon, 10 Dec 2012 05:43:57 GMT

@webhopper wrote:
@Anonymous wrote:
Wow there is a lot of agreement about a simple incorrect fact in this thread.

Your brother does not need to join simply be eligible. I can't blame others for being ignorant regarding this as most NFCU CSR's aren't aware that you are eligible to join as long as an immediate family member is eligible.

Keep in mind you will have to call in to join as it cannot be done online if your brother is not a member (and as I said some CSR's are unaware that this is a viable option so you may have to speak with a supervisor or you could just call back and get a CSR who knows their job better).

NFCU will pull a hard for membership and they will not re-use pulls so one for membership and one for your card app. They pull either TU or EQ depending on where you live. Good luck OP

Oh and almost all CU's require $5 be deposited in a share savings NFCU included.

Ive seen cases on this board where memberships were revoked by the security department due to the family member not being a full member... that's why I prefer to always encourage folks to get the eligible member to join. Seems like this is a more secure way to join with no issues down the road.

Re: NFCU questions

Anonymous — Mon, 10 Dec 2012 05:49:14 GMT

Maybe I wrong,but I never received alarm from EQ about hard inquiry on TU. but back to the time I apply for Walmart.they pulled TU I received alarm from EQ about hard inquiries on TU

Re: NFCU questions

Anonymous — Mon, 10 Dec 2012 05:53:57 GMT

@Anonymous wrote:
@webhopper wrote:
@Anonymous wrote:
Wow there is a lot of agreement about a simple incorrect fact in this thread.

Your brother does not need to join simply be eligible. I can't blame others for being ignorant regarding this as most NFCU CSR's aren't aware that you are eligible to join as long as an immediate family member is eligible.

Keep in mind you will have to call in to join as it cannot be done online if your brother is not a member (and as I said some CSR's are unaware that this is a viable option so you may have to speak with a supervisor or you could just call back and get a CSR who knows their job better).

NFCU will pull a hard for membership and they will not re-use pulls so one for membership and one for your card app. They pull either TU or EQ depending on where you live. Good luck OP

Oh and almost all CU's require $5 be deposited in a share savings NFCU included.

Ive seen cases on this board where memberships were revoked by the security department due to the family member not being a full member... that's why I prefer to always encourage folks to get the eligible member to join. Seems like this is a more secure way to join with no issues down the road.
+1

It can happen but even having someone who is fully eligible won't prevent the security department from being closed out. If security reviews your relative who is eligible they will either find their records or not. If they don't they will request verification of information either from you or from them (if they are already a member). If it cannot be provided you (and the eligible relative if they are a member) will be closed out.

Having the eligible relative join means you won't have to do any legwork if for some reason they can't verify them.

FWIW I know plenty of people who have joined (all through legitimate means) without having their eligible relative join first. Some have gone through security and passed others never went through security. Never IME seen anyone get kicked out who can verify their way in.

Re: NFCU questions

Anonymous — Mon, 10 Dec 2012 06:04:53 GMT

@Anonymous wrote:
@Anonymous wrote:
@webhopper wrote:
@Anonymous wrote:
Wow there is a lot of agreement about a simple incorrect fact in this thread.

Your brother does not need to join simply be eligible. I can't blame others for being ignorant regarding this as most NFCU CSR's aren't aware that you are eligible to join as long as an immediate family member is eligible.

Keep in mind you will have to call in to join as it cannot be done online if your brother is not a member (and as I said some CSR's are unaware that this is a viable option so you may have to speak with a supervisor or you could just call back and get a CSR who knows their job better).

NFCU will pull a hard for membership and they will not re-use pulls so one for membership and one for your card app. They pull either TU or EQ depending on where you live. Good luck OP

Oh and almost all CU's require $5 be deposited in a share savings NFCU included.

Ive seen cases on this board where memberships were revoked by the security department due to the family member not being a full member... that's why I prefer to always encourage folks to get the eligible member to join. Seems like this is a more secure way to join with no issues down the road.
+1
It can happen but even having someone who is fully eligible won't prevent the security department from being closed out. If security reviews your relative who is eligible they will either find their records or not. If they don't they will request verification of information either from you or from them (if they are already a member). If it cannot be provided you (and the eligible relative if they are a member) will be closed out.

Having the eligible relative join means you won't have to do any legwork if for some reason they can't verify them.

FWIW I know plenty of people who have joined (all through legitimate means) without having their eligible relative join first. Some have gone through security and passed others never went through security. Never IME seen anyone get kicked out who can verify their way in.

Im a prime example. I called and joined last year. My brother is active duty but I thought he wasnt a member. They took his first and last name and my info and processed it. A few days later Im locked out of my accounts and was told to call the security dept. They told me that in order for me to be eligible I would either A: need my brother to join or B: if he is a member get his access number. I then found out he was a member provided them with his access number and all was good. In my experience with them and others as well its not the CSR's who have the say so on who is eligible its the security dept. On your last quote youve never seen someone kicked out who can verify their way in? Read the thread "Im so over navy federal" OP clearly states he/she was kicked out cause she didnt qualify under DOD then tried to remain member under brother who was acitve duty and they wanted nothing to do with them. It happens alot that is why we recommend if your eligible that the person who can sponser you in join first that way there isnt any problems

Re: NFCU questions

Anonymous — Mon, 10 Dec 2012 06:16:50 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@webhopper wrote:
@Anonymous wrote:
Wow there is a lot of agreement about a simple incorrect fact in this thread.

Your brother does not need to join simply be eligible. I can't blame others for being ignorant regarding this as most NFCU CSR's aren't aware that you are eligible to join as long as an immediate family member is eligible.

Keep in mind you will have to call in to join as it cannot be done online if your brother is not a member (and as I said some CSR's are unaware that this is a viable option so you may have to speak with a supervisor or you could just call back and get a CSR who knows their job better).

NFCU will pull a hard for membership and they will not re-use pulls so one for membership and one for your card app. They pull either TU or EQ depending on where you live. Good luck OP

Oh and almost all CU's require $5 be deposited in a share savings NFCU included.

Ive seen cases on this board where memberships were revoked by the security department due to the family member not being a full member... that's why I prefer to always encourage folks to get the eligible member to join. Seems like this is a more secure way to join with no issues down the road.
+1
It can happen but even having someone who is fully eligible won't prevent the security department from being closed out. If security reviews your relative who is eligible they will either find their records or not. If they don't they will request verification of information either from you or from them (if they are already a member). If it cannot be provided you (and the eligible relative if they are a member) will be closed out.

Having the eligible relative join means you won't have to do any legwork if for some reason they can't verify them.

FWIW I know plenty of people who have joined (all through legitimate means) without having their eligible relative join first. Some have gone through security and passed others never went through security. Never IME seen anyone get kicked out who can verify their way in.
Im a prime example. I called and joined last year. My brother is active duty but I thought he wasnt a member. They took his first and last name and my info and processed it. A few days later Im locked out of my accounts and was told to call the security dept. They told me that in order for me to be eligible I would either A: need my brother to join or B: if he is a member get his access number. I then found out he was a member provided them with his access number and all was good. In my experience with them and others as well its not the CSR's who have the say so on who is eligible its the security dept. On your last quote youve never seen someone kicked out who can verify their way in? Read the thread "Im so over navy federal" OP clearly states he/she was kicked out cause she didnt qualify under DOD then tried to remain member under brother who was acitve duty and they wanted nothing to do with them. It happens alot that is why we recommend if your eligible that the person who can sponser you in join first that way there isnt any problems

If you get in under false pretenses you will be kicked out mistake or not even if you are actually eligible. Of course CSR's don't make the decision but those that I have seen that have spoken with the security department simply verified their eligible members information and their accounts were unlocked.