Official Credit Unions Guide

[rooeez]

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@sjt wrote:

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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.)

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Thanks, I did check the website and I don't fit any of those categories for membership.

[baller4life]

Guys does anyone have any recent experience with Patelco? Things went super quiet regarding them over the past few years. What's the dealio? 😒

[sjt]

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@baller4life wrote:
Guys does anyone have any recent experience with Patelco? Things went super quiet regarding them over the past few years. What's the dealio? 😒

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Patelco is good. If you qualify for Patelco chances are you might qualify for SF Fire, which has better credit products.

[baller4life]

Thx sjt. I noticed they were talking alot about them years ago and then nothing. I was just curious if they were no longer a good choice.

[Moto812]

Hi Everyone,

I was was reading this thread and decided to apply for Unify

Platinum credit card today pending income verification I'm approved.

The only problem was they weren't able to verify me online so I have 

to mail in the paper application.I was also told by the lady that took my application 

that they dont care about inq's over 60 days.

data points 

EX score 689 fico 08 14 inqs AAOA 2.2 BK 2009 

[baller4life]

Congrats on your awesome approval Moto812. We don't have alot of data points for Unify! So thank you very much for sharing! 😉

[heyryan]

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@Moto812 wrote:

Hi Everyone,

I was was reading this thread and decided to apply for Unify

Platinum credit card today pending income verification I'm approved.

The only problem was they weren't able to verify me online so I have 

to mail in the paper application.

data points 

EX score 689 fico 08 14 inqs AAOA 2.2 BK 2009 

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Congrats! I just joined them a couple months ago, so I'm going to apply for the card when my Arrival+ is a aged a few months. They seem like a great CU!

[Moto812]

Thank you baller4life, i was thinking about Alliant credit union but i think i have to many Inq's and my score is to low

[Anonymous]

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@rooeez wrote:

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@sjt wrote:

---

@rooeez wrote:

---

@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.

---

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

---

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.)

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Thanks, I did check the website and I don't fit any of those categories for membership.

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I have good news and bad news - the good news is that the California State Firefighters’ Association has no geographic or occupational restrictions for an associate membership - anyone can join

The bad news is membership costs $75

So there is a bit of a cost/benefit analysis to do, but is is technically doable

[heyryan]

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@Anonymous wrote:

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@rooeez wrote:

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@sjt wrote:

---

@rooeez wrote:

---

@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.

---

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

---

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.)

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Thanks, I did check the website and I don't fit any of those categories for membership.

---

I have good news and bad news - the good news is that the California State Firefighters’ Association has no geographic or occupational restrictions for an associate membership - anyone can join

The bad news is membership costs $75

So there is a bit of a cost/benefit analysis to do, but is is technically doable

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If you'll notice though, you have to be an ACTIVE member, not an associate. So bascially you still need to be a firefighter, dispatcher, etc.

"Suppression, prevention, training, dispatchers, mechanics & non clerical administrative personnel."