topic Re: How to join Credit Union in ALHAMBRA, CA? in SmorgasBoard

How to join Credit Union in ALHAMBRA, CA?

Anonymous — Wed, 25 Jun 2008 23:02:00 GMT

Guys, i read alot about the benefits if you join credit union, but i dont know how to join because most Credit union near my place are either for teacher or city employee. Please help. a little about myself, i work in restaurant in pasadena City, for 3years, go to Los angeles community college and live in Alhambra. Any CU i can join to? Thanks in advance!

Re: How to join Credit Union in ALHAMBRA, CA?

islandchild82 — Wed, 25 Jun 2008 23:26:19 GMT

Try Wescom Credit Union.

Anyone in Los Angeles, Orange, Riverside, San Bernardino, San Diego, Santa Barbara and Ventura counties can open a Wescom Credit Union account. They have branches throughout SoCal, including Pasadena.

I've been a member for over five years now and really like the service.

Re: How to join Credit Union in ALHAMBRA, CA?

Anonymous — Wed, 25 Jun 2008 23:43:37 GMT

Christian Community Credit Union is in California and opened to members who reside and go to Church in some of the area. You can also be eligible by faith alone if you are not in their area.

http://www.mycccu.com/personal/

Penfed:

https://www.penfed.org/howToJoin/overview.asp You can join NMFA for $20 if not eligible any other way. They have great service and a great rewards card.

Earn 2% cash back on supermarket purchases*

Earn 5.00% cash back from gas purchases paid at the pump

Earn 1.25% cash back from all purchases** you make with the card during each billing cycle

Up to $50,000 limit

No Annual Fee

Cash Rewards credited each month

No special restrictions to earn your cash rewards

For a limited time only-- transfer your balances at 5.99% APR for the life of the transferred balance!†

NFCU is great as well if you have family that are military connected and can sponser you. Requirements are:

All Department of Defense (DoD) uniformed personnel—Army, Navy, Marine Corps and Air Force, retirees and annuitants
All Department of Defense Reservists—Army, Navy, Marine Corps and Air Force—regardless of drill status—retirees and annuitants
All Army and Air National Guard Personnel—regardless of drill status—civilian employees, retirees and annuitants
All DoD Officer Candidate programs: Midshipmen and cadets at the United States Naval Academy, United States Military Academy, United States Air Force Academy, United States Coast Guard Academy and the United States Merchant Marine Academy; Other Officer Programs
U.S. Government employees assigned to DoD installations (including Coast Guard)
All DoD civilian employees
DoD contractors assigned to U.S. Government installations
Family Members, including grandparents, parents, spouses, siblings, grandchildren, children (including adopted, foster and stepchildren) and household members

JFCU you can be eligible by joining NSA for I believe $30. http://www.sheriffs.org/

I know I am missing some, but those are the most popular here.

Re: How to join Credit Union in ALHAMBRA, CA?

MattH — Thu, 26 Jun 2008 02:21:34 GMT

@Anonymous wrote:
Christian Community Credit Union is in California and opened to members who reside and go to Church in some of the area. You can also be eligible by faith alone if you are not in their area.
http://www.mycccu.com/personal/

Do be aware that CCCU is privately insured by ASI, rather than Federally insured by NCUA or FDIC. ASI is a solid, long-established organization, so the risk is probably not very significant, and of course if one merely wants to deposit a small amount in order to get credit from them the safety of deposits is not much of an issue -- I pay closer attention the financial condition of the places where I have my savings than I do to the financial condition of places that I owe money!

Re: How to join Credit Union in ALHAMBRA, CA?

Anonymous — Thu, 26 Jun 2008 03:21:55 GMT

Thanks for the answers, maybe i`ll try to go to/contact wescom and cccu. in order to get their auto loan or credit card, i have to have an account with them am i correct? Can i join and close the acct anytime i want? or is there any some sort of "membership" thing??

Re: How to join Credit Union in ALHAMBRA, CA?

Anonymous — Thu, 26 Jun 2008 03:26:24 GMT

Ow btw i cant Join PenFed or any of CU that need to be a "public servant" cuz im not.Im just looking a CU that could join by your workplace or community, thx tho @ISLAND: Maybe u can tell me a bit about the good "service" you got from them? low apr loan? mortgage? thxx

Message Edited by kearney on 06-25-2008 08:26 PM

Re: How to join Credit Union in ALHAMBRA, CA?

haulingthescoreup — Fri, 27 Jun 2008 02:10:25 GMT

Can't speak to the other CU, but you do NOT have to work for the government, etc. to join PenFed. The most popular option is to do a one-time join of the National Military Families Association, and this will make you eligible.

You don't have to be in a military family to join NMFA; you just need to be willing to give them a one-time dues payment to support them (send kids to summer camp, etc.)

It's like buying Thin Mints and Samoas: you don't need to be a Girl Scout; you just have to be willing to help them out.

Re: How to join Credit Union in ALHAMBRA, CA?

MattH — Fri, 27 Jun 2008 02:14:05 GMT

haulingthescoreup wrote:...It's like buying Thin Mints and Samoas: you don't need to be a Girl Scout; you just have to be willing to help them out.

Those are GOOD cookies, especially the Thin Mints, the shortbread ones, and the peanut butter ones (I forget the names of the latter two varieties).

Re: How to join Credit Union in ALHAMBRA, CA?

haulingthescoreup — Fri, 27 Jun 2008 02:26:44 GMT

@MattH wrote:

haulingthescoreup wrote:...It's like buying Thin Mints and Samoas: you don't need to be a Girl Scout; you just have to be willing to help them out.
Those are GOOD cookies, especially the Thin Mints, the shortbread ones, and the peanut butter ones (I forget the names of the latter two varieties).

Peanut butter sandwich cookies: Do-Si-Dos

Chocolate-covered peanut butter cookies: Tagalongs

I pimped a ton of Girl Scout cookies in my mom-at-home days. I remember counting out $7K+ in cash on my living room couch. I felt like a drug dealer! (which I guess I was. )

Re: How to join Credit Union in ALHAMBRA, CA?

MattH — Fri, 27 Jun 2008 02:30:29 GMT

@haulingthescoreup wrote:
@MattH wrote:
haulingthescoreup wrote:...It's like buying Thin Mints and Samoas: you don't need to be a Girl Scout; you just have to be willing to help them out.
Those are GOOD cookies, especially the Thin Mints, the shortbread ones, and the peanut butter ones (I forget the names of the latter two varieties).

Peanut butter sandwich cookies: Do-Si-Dos

Chocolate-covered peanut butter cookies: Tagalongs

I pimped a ton of Girl Scout cookies in my mom-at-home days. I remember counting out $7K+ in cash on my living room couch. I felt like a drug dealer! (which I guess I was. )

Well they are pretty addictive

Re: How to join Credit Union in ALHAMBRA, CA?

Anonymous — Fri, 27 Jun 2008 02:48:24 GMT

haulingthescoreup wrote:
Can't speak to the other CU, but you do NOT have to work for the government, etc. to join PenFed. The most popular option is to do a one-time join of the National Military Families Association, and this will make you eligible.

You don't have to be in a military family to join NMFA; you just need to be willing to give them a one-time dues payment to support them (send kids to summer camp, etc.)

It's like buying Thin Mints and Samoas: you don't need to be a Girl Scout; you just have to be willing to help them out.

I think I'm going to start 'thinking' that Girl Scout Cookies are just for Girl Scouts. I have a Samoa problem and my students totally know it. They've been known to bring backup boxes, just in case. One of our secretaries is a cookie mom -- and she emails me when there's a surplus of Samoas.

Sorry I don't know more about CUs. I have belonged to three of them, but got really po'd at the last one when they coded a mistake as 'bad debt and placed for a skip' for a ONE DOLLAR derog. I hope PenFed's around when that puppy is gone.. in the year 2037.

Re: How to join Credit Union in ALHAMBRA, CA?

Anonymous — Fri, 27 Jun 2008 03:46:41 GMT

OP - You might consider Alliant. The are just south of LAX and one of the top rated CU's in the country from what I read. You can join by being a PTA member. One problem I have with them is the fact that they are so close to LAX. Traffic SUX there. I have tried twice to get to their branch to open an account. The first time traffic was so bad I aborted, the second time, I got there and my truck wouldn't fit in their parking lot so I still haven't joined. Still want to as they have great rates on savings.

* BTW - Sorry to hijack the GSC thread

Message Edited by contractor on 06-26-2008 08:46 PM

Re: How to join Credit Union in ALHAMBRA, CA?

Anonymous — Fri, 27 Jun 2008 06:49:16 GMT

OK OK, im going to open PENFED acct online by joining/paying the NMFA, but i dont know how much is the minimum deposit and should i open Saving acct or Checking?? Will they do a Hard pull when i open the acct??? I saw alots of ppl said PENFED is a good cc, so i`ll try to open the cc as soon as my EQ score go around 640ish....

Re: How to join Credit Union in ALHAMBRA, CA?

Anonymous — Fri, 27 Jun 2008 08:24:28 GMT

kearney wrote:
OK OK, im going to open PENFED acct online by joining/paying the NMFA, but i dont know how much is the minimum deposit and should i open Saving acct or Checking?? Will they do a Hard pull when i open the acct??? I saw alots of ppl said PENFED is a good cc, so i`ll try to open the cc as soon as my EQ score go around 640ish....

Penfed is a hard pull to join. They do require a $5 deposit when they open your share account. You don't have to open a checking.