NFCU, what are my chances?

[nastalgia]

Hi all,

        I've been a member of NFCU since Feb and currently have had a mortgage with them since March. I've had great Auto FICO scores until 

recently, I've spent quite a bit on my credit cards with balances so it keeps chipping away my great scores. I also have an auto loan with my other credit union which is almost paid off ($3250 left to pay off). My income has gone up greatly since having a Mortage with them which is a plus but due to my happy spending habits my DTI taking a bit of a hit (I owe about $15k/98k limit on CC)

anyways my FICO 9 for auto currently is:

EQ - 685

TU - 739

EX - 709

[Loquat]

NFCU can be a mixed bag sometimes. But if you have good history with them then your internal score should be decent. With the right income to support what you’re trying to purchase, you should be okay.

Best of luck to you.