Official Credit Unions Guide

[baller4life]

---

@woodyman100 wrote:

---

@baller4life wrote:
Never heard of that CU humu. Is it open membership?

---

If this is the one I'm thinking of, it's the CU associated with the Texas Longhorns.

i apped to join last year and was pended for verification. They wanted me to come into a branch.

I live about an hour and half away from the nearest so I didn't bother.

---

Thanks for the heads up woodyman. I hope this isn't a "thing" that all applicants have to go to a branch to show id.

[baller4life]

@jfriend from what I have read, LMCU is extremely difficult to get an approval with. They are like ultra conservative. If anyone else has had a different experience please chime in.

[Anonymous]

---

@baller4life wrote:

---

@woodyman100 wrote:

---

@baller4life wrote:
Never heard of that CU humu. Is it open membership?

---

If this is the one I'm thinking of, it's the CU associated with the Texas Longhorns.

i apped to join last year and was pended for verification. They wanted me to come into a branch.

I live about an hour and half away from the nearest so I didn't bother.

---

Thanks for the heads up woodyman. I hope this isn't a "thing" that all applicants have to go to a branch to show id.

---

If it helps, baller4, there are a several different posts on the board here about UFCU and you don't have to go into a branch:

Re: UFCU $0 BT and 5.9% APR [ New ]

Options

‎07-08-2016 08:48 PM

Turns out you do not have to be a member to apply for a credit card. I applied on Tuesday. Got a call from a loan officer today. I was declined for "too many new accounts". I tried to attempt a recon based on my rebuilding and trying to replace a few of my high interest cards with lower interest cards. No dice. I don't know which version they use but they pulled EXP. My Fico 8 according to CCT right now is 673. 

UFCU [ New ]

Options

‎02-24-2015 04:16 PM 

UFCU requires 720 on EX for their top rate. I know - I'm a customer with them. 

Re: UFCU 

Options

‎11-30-2015 05:01 PM

I don't have experience with BK but I got my first card with them.

They used to pull EQ and looked for a mid-600 score for good credit. I don't know for sure their current credit critieria but they are a very nice CU. 

Re: UFCU 

Options

‎11-30-2015 02:11 PM

---

@Anonymous wrote:

Does anyone have any experience with UFCU (University Federal Credit Union) in Austin? I have a few questions.

---

I'm 2 years post BK. I applied for credit with them and was denied because of the BK.

This year I was approved for a $7k signature loan with UFCU and last week my card went from $4k to $14k. If you join, treat them well and they will return the favor.

http://ficoforums.myfico.com/t5/Credit-Cards/UFCU-in-Austin-Texas/m-p/4351680/highlight/true#M1244851

[Anonymous]

Turns out you do not have to be a member to apply for a credit card. I applied on Tuesday. Got a call from a loan officer today. I was declined for "too many new accounts". I tried to attempt a recon based on my rebuilding and trying to replace a few of my high interest cards with lower interest cards. No dice. I don't know which version they use but they pulled EXP. My Fico 8 according to CCT right now is 673. 

UFCU [ New ]

Options

‎02-24-2015 04:16 PM 

UFCU requires 720 on EX for their top rate. I know - I'm a customer with them. 

Re: UFCU 

Options

‎11-30-2015 05:01 PM

I don't have experience with BK but I got my first card with them.

They used to pull EQ and looked for a mid-600 score for good credit. I don't know for sure their current credit critieria but they are a very nice CU. 

Re: UFCU 

Options

‎11-30-2015 02:11 PM

---

@Anonymous wrote:

Does anyone have any experience with UFCU (University Federal Credit Union) in Austin? I have a few questions.

---

I'm 2 years post BK. I applied for credit with them and was denied because of the BK.

This year I was approved for a $7k signature loan with UFCU and last week my card went from $4k to $14k. If you join, treat them well and they will return the favor.

http://ficoforums.myfico.com/t5/Credit-Cards/UFCU-in-Austin-Texas/m-p/4351680/highlight/true#M1244851

[Anonymous]

UFCU requires 720 on EX for their top rate. I know - I'm a customer with them. 

Re: UFCU 

Options

‎11-30-2015 05:01 PM

I don't have experience with BK but I got my first card with them.

They used to pull EQ and looked for a mid-600 score for good credit. I don't know for sure their current credit critieria but they are a very nice CU. 

Re: UFCU 

Options

‎11-30-2015 02:11 PM

---

@Anonymous wrote:

Does anyone have any experience with UFCU (University Federal Credit Union) in Austin? I have a few questions.

---

I'm 2 years post BK. I applied for credit with them and was denied because of the BK.

This year I was approved for a $7k signature loan with UFCU and last week my card went from $4k to $14k. If you join, treat them well and they will return the favor.

http://ficoforums.myfico.com/t5/Credit-Cards/UFCU-in-Austin-Texas/m-p/4351680/highlight/true#M1244851

[Anonymous]

I don't have experience with BK but I got my first card with them.

They used to pull EQ and looked for a mid-600 score for good credit. I don't know for sure their current credit critieria but they are a very nice CU. 

Re: UFCU 

Options

‎11-30-2015 02:11 PM

---

@Anonymous wrote:

Does anyone have any experience with UFCU (University Federal Credit Union) in Austin? I have a few questions.

---

I'm 2 years post BK. I applied for credit with them and was denied because of the BK.

This year I was approved for a $7k signature loan with UFCU and last week my card went from $4k to $14k. If you join, treat them well and they will return the favor.

[Anonymous]

---

@Anonymous wrote:

Does anyone have any experience with UFCU (University Federal Credit Union) in Austin? I have a few questions.

---

I'm 2 years post BK. I applied for credit with them and was denied because of the BK.

This year I was approved for a $7k signature loan with UFCU and last week my card went from $4k to $14k. If you join, treat them well and they will return the favor.

[baller4life]

Ok thanks a bunch humu. Although I went to A & M, I've been a Longhorn fan since I was a kid. This would be a really cool CU for me to join! 😃

[Anonymous]

---

@baller4life wrote:
Ok thanks a bunch humu. Although I went to A & M, I've been a Longhorn fan since I was a kid. This would be a really cool CU for me to join! 😃

---

You're welcome, baller4 and I think you should go for it! You are the credit union queen and have some very solid credit union relationships.

[Anonymous]

---

@baller4life wrote:
Ok thanks a bunch humu. Although I went to A & M, I've been a Longhorn fan since I was a kid. This would be a really cool CU for me to join! 😃

---

so sad but there's still hope for you

Listen to this 50 times over the next few days:

https://www.youtube.com/watch?v=45P6Q2oe_I4

[baller4life]

😂😂😂

Never in a million years! #hookem

[baller4life]

---

@Anonymous wrote:

---

@baller4life wrote:
Never heard of that CU humu. Is it open membership?

---

It is open as long as you donate $20 to the Texas Longhorns organization, I checked with them. No need to be a resident of Texas.

It originally was for university employees and their families, but has been expanded to include anyone who donates the $20.

---

So humu, you don't have to join at all if you just want the cc. 😉

[Anonymous]

---

@baller4life wrote:

---

@Anonymous wrote:

---

@baller4life wrote:
Never heard of that CU humu. Is it open membership?

---

It is open as long as you donate $20 to the Texas Longhorns organization, I checked with them. No need to be a resident of Texas.

It originally was for university employees and their families, but has been expanded to include anyone who donates the $20.

---

So humu, you don't have to join at all if you just want the cc. 😉

---

You do have to have an active checking account according to what it says when you go to apply

[baller4life]

WTH?? Lol thanks Irish. I was reading older threads that said you didn't have to join for cc app.