Official Credit Unions Guide

[jonfive]

Definitely just read through ALL 44 pages

I'm on my way with NFCU after all the great reviews though NLUS.

Working on re-building, Not planning on applying for CC until maybe summer.

Learned a TON from this thread. Thanks everyone

[jonfive]

Looks like it's finally going somewhere

Pretty quick compared to what I've read, only 3 business days

Excited to start moving on; improving my fico instead of digging holes

[baller4life]

Great choice you made there jonfive! Navy Fed is the best! 😆

[jonfive]

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@baller4life wrote:
Great choice you made there jonfive! Navy Fed is the best! 😆

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Thanks pal!

About 2 hours after the HP I got the welcome email

Funded and ready to go!

Anyone heard of account freezing lately? Last I saw it was posts from ~September. 

All info is correct on the application and matches all 3 reports' addresses, names etc. 

Just worried about the NLUS thing causing the freeze as other posts have suggested.

[baller4life]

Haven't heard anything lately. I think things have calmed down now regarding that route. They received a HUGE stampede this summer once word got out across multiple forums.

[baller4life]

Golden 1 is a great CU for Cali residents. Open membership to everyone. But, only Cali residents qualify for credit products. Go figure! 😩

[sjt]

For San Francisco Area residence:

San Francisco Fire Credit Union has the best secured card product, 8%apr, no fees, no credit check, reports as unsecured, and you can request the card to be unsecured after a year. If approved, they will convert the card. So you keep the history.

[Anonymous]

One of my CU's just recently came out with a great looking product - FOM is WA state residents:

Inspirus CU Visa Signature - it's a Citi DC clone!

Enjoy!

[rooeez]

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@sjt wrote:

For San Francisco Area residence:

San Francisco Fire Credit Union has the best secured card product, 8%apr, no fees, no credit check, reports as unsecured, and you can request the card to be unsecured after a year. If approved, they will convert the card. So you keep the history.

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This is exactly what I've been shopping for... unfortunately I'm in the East Bay. :/ Thanks for the info!

[sjt]

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@rooeez wrote:

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@sjt wrote:

For San Francisco Area residence:

San Francisco Fire Credit Union has the best secured card product, 8%apr, no fees, no credit check, reports as unsecured, and you can request the card to be unsecured after a year. If approved, they will convert the card. So you keep the history.

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This is exactly what I've been shopping for... unfortunately I'm in the East Bay. :/ Thanks for the info!

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Here is the eligibility guidelines for SF Fire CU:

ELIGIBILITY:

If you belong to any one of the following groups, you are eligible for membership at SF Fire Credit Union:

• Individuals who live, work or attend school in San Francisco, San Mateo or Marin County

• San Francisco Firefighters (Active or Retired)

• Firefighters in San Francisco, San Mateo or Marin County (Active or Retired)

• Members and Employees of Local IAFF 1171 – Santa Clara City Firefighters

• Active members of the California State Firefighters’ Association 1

• Family of SF Fire Credit Union members (Spouses and Domestic Partners; Parents, Grand- and Great-Grand Parents, Children, Grand- and Great-Grand Children; Siblings; Fathers-, Mothers-, and Siblings-in-Law; and the Spouses, Domestic Partners and Children of the family members listed.)