Hi All,
There are some great CU lists and advice on these forums. Thank you! Have seen many CUs (PenFed, First Tech, etc) that seem to not like too much available credit or too many accounts. I'd like to move (over time) my banking away from large commercial banks and toward CUs. I currently belong to NFCU (and have Checking / Savings and a $25k FS CC and $10k CR CC).
I'm looking to join a second CU. I'm sitting at $132k income with about $175k available credit, so seems PenFed and First Tech are out.
Additionally, *Ideally* I'd like to apply for a CC from a CU that provides at least $15k SL.
Scores all 775-805
Utilization 8%-13%
No baddies
AAoA 10 years
3/12
~20 Accounts
Thoughts on CUs I should look at?
(re: geofencing, I'm in PA, but don't care if CU is not local)
Penfed ( Pull FICO 9 EQ) IME doesn't have an issue with available credit. Alliant and Langley actually did in my case. lol
$175K in open tradelines isn't monsterly high.
Penfed is less adverse than quite a few I've crossed paths with over the years. Now if those accounts are fairly new. That's where you'll hit a wall with a lot of these CU's and banks.
NASA FCU (Pull EX FICO older mortgage score) at the time(4.5 years ago), When I obtained a card with them, they weren't adverse either.
Redstone FCU (pull EX FICO 9)was another recent CU addition that didn't blink at my open trade lines. Best way to join them is through the https://www.ruralking.com/harvest-card . Which also gives you membershp to the CU upon approval. Looks like you have stores in your state. By the way, if you need something to gauge your chances with Redstone.
My income is much less than yours. And my reporting tradelines are over $800K.
