Official Credit Unions Guide

[JoMellow]

Q: How do you know what is (if anything) on a Chex system report??? 

[baller4life]

You can go to their site and order your report.

[Anonymous]

Another Alliant plus...

“Same Day ACH” is a regulatory change made effective on September 23, 2016. Same Day ACH will lead to faster money transfers between financial institutions, giving consumers access to their transferred funds more quickly. Under Same Day ACH, the financial institution receiving an Automated Clearing House (ACH) funds transfer will make it available to the fund depositor on the same day as it was transferred, provided that daily cutoff times are met.

Alliant prides itself on making its members’ funds available to them as quickly as possible. When most banks were making ACH deposits available to their customers only after a 2-day lag, Alliant processed nearly all of its ACH transfers within one business day. Now, we’re making funds available even faster. With same-day ACH, all ACH transfers sent from your originating financial institution by 1:45pm CT will post by 5:00pm the same day!"

I hate how some banks drag their feet on ACH transfers. Alliant has always been great and makes a good "hub"

[baller4life]

Huge Alliant fan here!! I recommend them to everyone!

[Anonymous]

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@baller4life wrote:

That's the thread I saw humu. That's why I thought you didn't have to be a member to app the cc. But, I will join nonetheless. I need to garden awhile first though. Looks like they are new acounts sensitive. And I have a ton! 😂

Here's the page to the download link to donate $20 to Longhorn Foundation for those interested. Especially Irish who is an undercover Longhorns fan! 😆

https://www.ufcu.org/about/become-a-member

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SP to join? 

[Anonymous]

Not sure about the SP or not for UFCU membership, dasingleton; hopefully someone who has joined will share!

Here is the manwhocan's chart about the low interest rate cards for credit unions - hope this doesn't cause a stampede:

Re: UFCU $0 BT and 5.9% APR

Options

‎07-04-2016 08:35 PM

I don't suppose someone wants to try out some of these credit unions, like Bourns... the APRs listed are likely to be 0.25% higher than listed.

[Anonymous]

I don't suppose someone wants to try out some of these credit unions, like Bourns... the APRs listed are likely to be 0.25% higher than listed.

[Anonymous]

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@Anonymous wrote:

Not sure about the SP or not for UFCU membership, dasingleton; hopefully someone who has joined will share!

Here is the manwhocan's chart about the low interest rate cards for credit unions - hope this doesn't cause a stampede:

Re: UFCU $0 BT and 5.9% APR

Options

‎07-04-2016 08:35 PM

I don't suppose someone wants to try out some of these credit unions, like Bourns... the APRs listed are likely to be 0.25% higher than listed.

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Thanks humu! Good info

[Anonymous]

I don't suppose someone wants to try out some of these credit unions, like Bourns... the APRs listed are likely to be 0.25% higher than listed.

[Anonymous]

What about Andrews FCU, does anyone have information on them?

I noticed that someone made a post about them last week but it did not garner much in the way of responses. I've seen a few say they are conservative (aren't most credit unions?), and then another person say that he or she was able to get in without much difficulty and that his or her scores were not high.

[ddemari]

I have personal experience with the following credit unions, a lot of positive and some negatives in my experience;

PenFed- never not pulled EQ for me, membership and furture apps. Positive Experience, very positive actually. At the time my credit was borderline good on EQ, 660's to 670. 

Consumers Credit Union- Pulled Tu for joining, offered me several pre-approved offers but after selecting them for further review, everything was denied but a checking and share account. They have pulled EQ for credit products. They then randomly sent me a initial funding money back and said my accout was closed for not meeting their criteria. I've moved on from them.

Navy Federal- Tu Pull for entry, TU pull for credit cards and EQ pull for CLOC.

Corporate America Family Credit Union- TU Pull for entry, EQ pull for credit products. They approved me for a share account and that was all. I never bothered with them further, not a fan of their website platform and they are big on drawn out application times. 

DCU- Eq pull for everything. Denied credit card products with a EQ 04 of 690 for inquries, new accounts and in almsot two years they have no offers or approve me for anything. I have a share account and checking with them still. 

SDFCU- applied and was denied due to not meeting their numerical scoring system which tells who to approve and who not too, basically what the message said lol. No luck with them whatever for me. 

Allegacy Credit Union- Pulled TU for entry, and EQ for credit card apps. They pulled for everything and always denied me. I ended up closing my share account. 

Nasa- Opened an account and was approved for a share shaving and closed out recently because I didnt use it much, should have followed others advice on keeping Nasa active with at least a few transactions. Never approved for any of their credit products with EX pulls.

Alliant - I still have a share account with them but have never had any luck getting any loan/credit products. they pulled EQ for me for credit products. 

[baller4life]

Thanks so much ddemari for sharing your CU experiences! Much appreciated!