USSFCU (United States Senate FCU) Great Rates

revjamesl · ‎04-24-2023

Qualified for 4.24% for 72 months on the Tesla I have ordered. Below are the available rates:

36 mos - as low as 3.24%
48 mos - as low as 3.49%
60 mos - as low as 3.74%
72 mos - as low as 4.24%
84 mos - as low as 4.49%

You can become a member by joining the U.S. Capitol Historical Society or by joining The American Consumer Council. I opted for The American Consumer Council because it was the cheapest costing me only $8 to join.

https://www.ussfcu.org/resources/rates.html

hrguy · ‎04-24-2023

Thanks, who do they pull from?

Filed BK 7: 2/28/2012 | Discharged: 7/24/2012
POST BK APPROVALS:
NFCU nRewards Secured Visa: $1000 7/12| Apple FCU Secured Visa: $1000 9/12
Toyota Finance Lease: 0% | 0.0008 MF 10/12
Barclay Apple Finance Visa: $2200 1/13
NFCU cashRewards Visa: $2500 3/13

fury1995 · ‎04-26-2023

@revjamesl wrote:
Qualified for 4.24% for 72 months on the Tesla I have ordered. Below are the available rates:

36 mos - as low as 3.24%
48 mos - as low as 3.49%
60 mos - as low as 3.74%
72 mos - as low as 4.24%
84 mos - as low as 4.49%

You can become a member by joining the U.S. Capitol Historical Society or by joining The American Consumer Council. I opted for The American Consumer Council because it was the cheapest costing me only $8 to join.

https://www.ussfcu.org/resources/rates.html

Hey @revjamesl thanks for providing this. Those rates are really ood. Tower had similar rates until February and I did A TON of research for auto rates and they were hard to beat then.

Thanks for the data!

August 28, 2023 FICO 8

August 28, 2023 FICO BankCard 8

August 28, 2023 FICO Auto 8

pizzadude · ‎04-27-2023

@hrguy wrote:
Thanks, who do they pull from?

This thread is old ( 2015 ) but indicates they use Equifax for all credit products. Not sure if that's still the case but it's the only data point I could find.

Hopefully OP will chime in also with their recent experience.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

hrguy · ‎05-06-2023

@pizzadude wrote:
@hrguy wrote:
Thanks, who do they pull from?
This thread is old ( 2015 ) but indicates they use Equifax for all credit products. Not sure if that's still the case but it's the only data point I could find.

Hopefully OP will chime in also with their recent experience.

Looks like they switched to EX. In asking questions at my local CU regarding something else - they mentioned to me that most CU’s change who they use every so often. They didn’t state why, this particular CU I was asking questions to also had switched from TU to EX after being a TU institution for as long as I can remember.

Filed BK 7: 2/28/2012 | Discharged: 7/24/2012
POST BK APPROVALS:
NFCU nRewards Secured Visa: $1000 7/12| Apple FCU Secured Visa: $1000 9/12
Toyota Finance Lease: 0% | 0.0008 MF 10/12
Barclay Apple Finance Visa: $2200 1/13
NFCU cashRewards Visa: $2500 3/13

Jesuschild2712 · ‎10-14-2024

I am interested in joining this CU. I've tried twice, but declined because of too many inquiries, haha. Do you have any of their other products?

AMEX Blue Cash Everyday: 4,000 l AMEX Cash Magnet: 2,700 l AMEX Everyday: 1,000 l AMEX Green: NPSL l AMEX Gold: NPSL | Apple Card: 2,500 l Bank of America BankAmericard 3,100 l BECU Cashback:18,500 l Capital One Quicksilver: 1,000 | Capital One Quicksilver(2): 1,000 | Capital One Walmart: 10,000 l Chase Freedom: 2,000 l Chase Sapphire Preferred: 4,000 l Chase Slate: 1,000 l Citi BestBuy: 15,000 l Citi Rewards Plus: 5,570 l Discover it: 16,900 l Discover Gas & Restaurant: 6,000 l DCU Platinum: 700 l FNBO Evergreen: 15,000 l FordPass Rewards: 11,300 l Navy Federal Cash Rewards: 31,500 l Navy Federal More Rewards: 21,500 l Navy Federal Platinum: 27,000 l Overstock: 2,250 l PayPal Credit: 3,100 l PenFed Platinum Rewards: 15,000 l PNC Cash Rewards Visa: 3,900 l PNC Points Visa: 2,800 l PNC Points Visa (2): 1,100 l Renasant Bank: 18,000 l Sams Club Mastercard: 5,000 l Target: 2,200 l USAA Cashback Rewards Plus: 5,000 l USAA Preferred Cash Rewards: 13,000 l USAA Rewards AMEX: 2,000 l Wells Fargo Platinum: 1,000 l Wells Fargo Propel: 7,300