Jaydawg,
I am glad for you that you beat the clock. I don't know of any "warning" from NFCU for this, but who knows. I am also a member of NLSD and I have sent an email to the Council President and Membership Chair to find out for sure. If they bother to respond I will post it here in a new thread.
As for secured card and graduation, search the forums for "nfcu secure card graduation" and a lot of threads show up. I do know that I have read in various threads people have gotten unsecured in anywhere from 3 months to a year but I also see one or two that say they never graduated.
AS for advice i will tell you what I see on here a lot. BE good to NFCU and they will be good to you. Use and payoff your card every month. If it is your only trade line then leave a few bucks on it to report usage to the CRA's (less than 10%). If you have other trade lines, then get them all down to between 0-9% and then only let one have a balance past the statement cut date if you can.
NFCU is a little odd compared to other credit grantors we read about on here.
They do check CRA's but they seem to rely very heavily on their internal scoring and I have not yet found a thread that claims to know for a fact how that scoring works.
I think it is from 100-450, but it seems to only show up on denial letters, or at least it was not included with my card and my CLOC paperwork has not yet arrived.
I also don't see it on the website in my account. I may call tomorrow and ask, just for grins.
As a suggestion you might want to search for NFCU AR's, which are account reviews. I cannot find it offhand but on page 262 of a very large NFCU thread (I think it is in the
NFCU+CLI thread which is like 280+ pages) there is a great explanation of AR's and frankly it should be an NFCU Sticky.
The short version is that every two months they do an SP and reevaluate everyone's credit.
Couple that to the 91 day / 3 statement rule for CLI (I think this also applies to secured trying to graduate but I am not sure) and you can figure out when you should have any other credit lines paid down to nothing.
there is great date calculator at
https://www.timeanddate.com/date/durationresult.html?m1=5&d1=10&y1=2017&m2=8&d2=10&y2=2017&ti=on
to help you figure out the exact date that applies to you.
In my case I got my approval on the 10th of may, so August 10 would be 93 days (if you include Aug 10), I don't know my statement cut date yet, but it should be about 30 days from approval date.
There was an AR in May, so July then September (they happen in the odd months or so I have read). So in my case I will wait until September to let them do the SP and automatic evaluation instead of hitting the love button and taking an HP. (NFCU seems to be HP crazy).
With that information I can then plan on how to pay down all my credit lines to the lowest point possible before the September AR. It is important to remember that the AR will pull data already posted so it will be about a month old when the do they AR. Credit Reports are a lagging indicator as they represent stuff (statements) already posted, not necessarily what you paid before the due date.
To maximize my chances for a solid increase on my first CLI, I will target having all lines to zero before the August statement cut dates. So to be clear 90% of my statements cut around the 16th of the month, so before that date I need to pay everything down so when they report it will be the lowest amount possible and then on the Sept AR my UTI and debt will be at the lowest possible.
Hope all that provides you some information and stuff to research.
Keep us informed of your progress and maybe add some info to your signature.
Mike
Starting Score: EQ 628 | TU 643 | EXP 618
Fico 8 12/22/16: EQ 658 | TU 682 | EXP 721
Next Goal: 700's across the board
Credit Karma: EQ 554 | TU 551
CK 12/22/2016: EQ 637 | TU 637
When I get my formal decline in writing I am going to ask for a recon as I had applied long before they cut that off. Doesnt seem fair. 
