BEST Credit Union 4 REFI with EX OR TRANS?

[2014now]

Hey Guys!

My score jumped 25 pts temporarily and I want to take advantage of it by refinancing my car. I would love to use my highest FICO scores with EX & Transunion but I'm just seeking some quick advice! Which is the best Credit Union and/or bank to go with? Appreciate any tips please! My current scores according to FICO score 8:

EQ - 701

TRANS - 726

EX - 729

[Anonymous]

Try Blinker Financial. They softpull experian and tell you what your rate is without a hard pull.

[2014now]

Thank you!!

[pipeguy]

Even with your lowest score (700+) I'd suggest DCU (I think uses EQ5) or NFCU (TU I think, at least for CC's) - these are CU's I have experience with both are excellent - anyone can join DCU btw.

[marty56]

RBFCU (TU)

[Anonymous]

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@pipeguy wrote:

Even with your lowest score (700+) I'd suggest DCU (I think uses EQ5) or NFCU (TU I think, at least for CC's) - these are CU's I have experience with both are excellent - anyone can join DCU btw.

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+1

[marty56]

I forgot to add that RBFCU sometimes approves for a carloan and credit card at the same time.

[Anonymous]

YMMV

However blinker gave me 3.79% refinance on a used auto for 72 months.

That’s better than dcu and nfcu best refinance-used rates top tier.

especially for scores like mine.

[2014now]

I noticed my "Fico Auto 8" version is way lower than my regular FICO score 8. Do they mostly pull only from the Auto score? obviously right?

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@pipeguy wrote:

Even with your lowest score (700+) I'd suggest DCU (I think uses EQ5) or NFCU (TU I think, at least for CC's) - these are CU's I have experience with both are excellent - anyone can join DCU btw.

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[2014now]

thanks!

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@marty56 wrote:

I forgot to add that RBFCU sometimes approves for a carloan and credit card at the same time.

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