NFCU and PENFED need guidelines plz

[Anonymous]

Hi there,
I was trying to decide what to go for at this point between 2 most discussed credit unions.

I have my score 730 725 711
Last inquiry in January 2017
Total in past 6 months probably 5
Total avail credit so far 45K with 3% debt ration no late payment or anything.

Please advise which one to go for if it's good time at all for me.
Thanks to you all for what you do here.
BTw I'm in NY

[Anonymous]

Join both!  I'd join PenFed first because the pull for membership can be used for multiple credit products (I used my membership pull to get three cards).  NFCU will HP for membership and for every credit application after you become a member -- so get the credit pull from PenFed first.  It doesn't hurt that PenFed is easier to join if you're not military.

[Anonymous]

Ok great, thanks for your advice I'll start with PenFed and will update later.

[Anonymous]

I agree with flyin fico.  Join both, your scores are plenty good to get solid prodicts.  Treat them well and they will do the same to you.

[Anonymous]

I agree with joining both. If you join NFCU through the Navy League, that can also be used to join PenFed. 

I joined both last month and have been happy with the two of them so far. Much easier and nicer to deal with than any bank I've ever used

[Anonymous]

@ tigers09 could you please elaborate here little more plz.
So if I join NFCU through babe league I qualify for PenFed with it as well? If yes it means I don't have to pay for anything to join PenFed?
Also what inquiry each CU pulled from and is it it pulled from more than one bureau ?
Thanks for your reply

[Anonymous]

I joined NFCU by joining the Navy League first. When joining PenFed, Navy League is also listed as one of the organizations you can be a member of to join PenFed.

For NFCU membership, they pulled TU for me (think this is normal) and PenFed will pull EQ (generate their own score with data)

[Anonymous]

Would you share you're limits with them if you did apply any cc, only thing I'm concern about NFCU I read somewhere here they pull your report for membership and any product separate unlike PenFed they use Same for 1st 3 months.

[Anonymous]

approved for Navy for 1,700; PenFed approved me for two account, 5k and 6k each. My scores were a little higher when I joined PenFed

[Anonymous]

Higher than mine?