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Elements Financial Credit Union

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Gmood1
Super Contributor

Re: Elements Financial Credit Union


@kilroy8 wrote:

@Gmood1 wrote:
Lol! Good luck Woody. I researched this CU about a year ago. Please let us know how it works out.

Please be kind to this CU, all my money is in there, has been since 2001. They always try to give me cards, but I don't think their cards are competitive. Unless something has changed?


lol... I love my CUs! I'm not a member of this one though. I came pretty close to opening an account with them a year or so ago.

Message 11 of 18
kilroy8
Super Contributor

Re: Elements Financial Credit Union


@Anonymous wrote:
This CU gives access to Experian FICO 8 scores and they currently offer a card with $300 sign on bonus for spending $1000 which is why I'm interested.

No, this is not accurate. I get EQ Fico 05, every month, on the 18th. The bonus is new. Still, they make US Bank look liberal. They started as the captive CU for a large pharma company - still their primary customers.

Message 12 of 18
peghede
Valued Contributor

Re: Elements Financial Credit Union

can any one join this cu? Hp or sp to join? who they pull? whats limits on cards? 30k?now you m8's got me interested about it like Banco do Brasil Americas.lol

Message 13 of 18
kilroy8
Super Contributor

Re: Elements Financial Credit Union

I know they check ChexSystems for new accounts, I believe anyone can join now, but that is a recent thing, like the past 8 years or so. I have never gotten a credit card with them, so I don't know about their limits. I did do a auto loan at one point, and it takes > 740 EQ Fico 05 to get their best rate. They are ultra conservative in my experience.

Message 14 of 18
peghede
Valued Contributor

Re: Elements Financial Credit Union

Ouch like penfed.lol

Message 15 of 18
Anonymous
Not applicable

Re: Elements Financial Credit Union

Thanks for the correction. I was going off information from a much older post that said they give FICO 8 scores.
Message 16 of 18
woodyman100
Valued Contributor

Re: Elements Financial Credit Union

My denial was an instant approval!

I’ve decided to lay low on CU’s for awhile.

Way too many accts and inqs for their taste

NFCU-ICCU-EECU-Texas Trust CU-PSECU-DoverFCU-Keystone FCU-HarvardFCU-Keypoint CU-DCUFCU-Union Square FCU-Signature FCU-AODFCU-RedstoneFCU-RRCU-UFCU-USAllianceFCU-ANB-CapitalOne-Regions-Goldman Sachs (Apple)-Barclay-G Bank-Evolve-Fifth Third-Gemini-Huntington-Imprint-USBank-Pinnacle-Cardless-John Deere-Discover-BofA-BofA Biz-Chase-Chase Biz-Amex-Amex Biz-Wells Fargo-Commerce-FNBO-Citi-Citi Biz-Synchrony-Synchrony Biz-Target TD-Third Coast Bank-Trevipay-Truist-UMB-USAA-Amegy-Amegy Biz-Citizens Biz-Comenity-Comenity Biz-Bread -DSNB-Webbank-Bill
Message 17 of 18
peghede
Valued Contributor

Re: Elements Financial Credit Union

so you got it? what sl?

Message 18 of 18
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