DCU or NFCU?

[Anonymous]

Hi all, 

We're trading in a truck we've had for about 18 months (positive equity). We have our current loan through Ally at 4.3%. We're looking to use DCU or NFCU for the next vehicle. Which would have the better rate? Scores in sig 692/706/704, no collections, 1 inquiry, 30% util on one card (0 on all the rest).

I searched around and can't seem to figure out what either bank is using in terms of auto enhanced or straight FICO? 8 or 9?  It seems everyone uses EQ lol.

Thanks!

[Anonymous]

Anyone?

[Loquat]

I don't know what score either uses so I hope someone will chime in and let you know.  I have heard positives about the both of them.  I'm a NFCU member but haven't used them for an auto loan as PenFed gets my business for those.

[Brian_Earl_Spilner]

NFCU used EQ normal FICO 8 when I applied last month. I assume it's because you can also use the same pull for a cloc. From my understanding, NFCU doesn't give great rates while DCU does.

[sid33]

DCU uses EQ mortgage scores for their loans. DCU used to drop the rate a little if you had a checking and savings account with them.