I've had business and personal accounts with NFCU for many years. I, like I am sure others on this site will tell you, NFCU personal services does a great job, but their business services division is terrible. I would suggest you try a small test: Call their business services phone number just to ask some general informational questions about accounts. Then count the days until you manage to speak to a person. That'll be your first DP. Their online messaging system tends to be faster, but it can still be 1+ days to get a response.
Again, I have nothing but praise for their personal account services. I've refered at least 6 family members who are quite happy with them. But I've gotten so frustrated with their business services that I have decided to move my business acounts. To answer your question, if you want a business credit card YMMV, but I was denied a business credit card even though I had 2+ year old business checking and savings accounts, a FICO over 720, and a personal NFCU Visa card with a $23K CL. The reason was "insufficient business credit established", which I found confusing since I maintained good bank balances, had a good DUNS score and Experian Business Credit score, and had several positive business trade lines that were at least 1 year old.
I went to AmEx, FNBO, and Capital One with that same credit profile and they all approved business cards. So good luck to you, but I am in the process of putting NFCU Business Services in my rear view mirror.
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@leo187um wrote:I recently opened up a Personal & Business Checkings Acct with NavyFed and got the nRewards Secured Card. I am thinking of building up data points with my personal so I can have the secured card graduate and eventually get high limit personal credit cards. I want to apply for the business credit card down the line; in this case does what I do with the Business Checkings Account matter or would they just look at my personal credit & internal bank score on the personal side?
As @aynot4fitness already pointed out, NFCU's business department is for the birds. My advice is to stay away from it at all costs. If you do apply for a credit card it will be a much more onerous application than any you have prepared for any other credit card, and if you get the card and ever want to apply for a CLI they will require the same excessive paperwork. Everything else about their business department is also bad. A word to the wise.
@leo187um wrote:Interesting.. such a good rep on the personal side, seems poor on the business side... good to know thank you.
And both reputations are well deserved 
@SouthJamaica wrote:
@leo187um wrote:I recently opened up a Personal & Business Checkings Acct with NavyFed and got the nRewards Secured Card. I am thinking of building up data points with my personal so I can have the secured card graduate and eventually get high limit personal credit cards. I want to apply for the business credit card down the line; in this case does what I do with the Business Checkings Account matter or would they just look at my personal credit & internal bank score on the personal side?
As @aynot4fitness already pointed out, NFCU's business department is for the birds. My advice is to stay away from it at all costs. If you do apply for a credit card it will be a much more onerous application than any you have prepared for any other credit card, and if you get the card and ever want to apply for a CLI they will require the same excessive paperwork. Everything else about their business department is also bad. A word to the wise.
Happy New Year! But I'm afraid I have to disagree. They have a new Business Products Marketplace portal on which they've spent a lot of money. You shop for the product you desire and click through the application links. Very streamlined and straightforward. It has a 'progress & next steps' dashboard page for you to see the progress of all of the applications.
@aynot4fitness i keep getting denied their business card to even tho on the perosnal side they approve me for crazy limits and the max CLI. I know the two sides dont talk but you would think the underwriting for the flagship would be somewhat similar to the business. I know they do use FICO 3 tho , which is typically a lot lower than most peoples F8 or F9. All i know is i keep trying and keep having to sweep the inquiry. I make weekly deposits, i think im going to open a business cd , and will try again in another 6 months .... but i think after this next time im going to move on from their business side.
@LP007 wrote:
@SouthJamaica wrote:
@leo187um wrote:I recently opened up a Personal & Business Checkings Acct with NavyFed and got the nRewards Secured Card. I am thinking of building up data points with my personal so I can have the secured card graduate and eventually get high limit personal credit cards. I want to apply for the business credit card down the line; in this case does what I do with the Business Checkings Account matter or would they just look at my personal credit & internal bank score on the personal side?
As @aynot4fitness already pointed out, NFCU's business department is for the birds. My advice is to stay away from it at all costs. If you do apply for a credit card it will be a much more onerous application than any you have prepared for any other credit card, and if you get the card and ever want to apply for a CLI they will require the same excessive paperwork. Everything else about their business department is also bad. A word to the wise.
Happy New Year! But I'm afraid I have to disagree. They have a new Business Products Marketplace portal on which they've spent a lot of money. You shop for the product you desire and click through the application links. Very streamlined and straightforward. It has a 'progress & next steps' dashboard page for you to see the progress of all of the applications.
Can you advise how to access this portal? I'm just curious. I don't see it on the site.
Happy New Year! But I'm afraid I have to disagree. They have a new Business Products Marketplace portal on which they've spent a lot of money. You shop for the product you desire and click through the application links. Very streamlined and straightforward. It has a 'progress & next steps' dashboard page for you to see the progress of all of the applications.
Hi @LP007, can you share the link to this portal?