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Qualifications to join Redstone FCU pre-CC app?

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unsungivy
Valued Contributor

Qualifications to join Redstone FCU pre-CC app?

Looking into adding the Redstone FCU VS next month.

 

It appears I need to join the FCU first, can anyone give me a low-down on the current hoops to jump? An article I found looks like it was semi-gated, but people around here seem to be saying "anyone can join". Is there a specific known bicycle club I need to sign up for first or something, or are they really open to "anyone" without hoop-jumping now?

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Message 1 of 12
11 REPLIES 11
GZG
Senior Contributor

Re: Qualifications to join Redstone FCU pre-CC app?


@unsungivy wrote:

Looking into adding the Redstone FCU VS next month.

 

It appears I need to join the FCU first, can anyone give me a low-down on the current hoops to jump? An article I found looks like it was semi-gated, but people around here seem to be saying "anyone can join". Is there a specific known bicycle club I need to sign up for first or something, or are they really open to "anyone" without hoop-jumping now?


https://www.ausa.org/membership/basic 

 

this is the free org to join which qualifies you for Redstone, if you have a FFA membership from another CU that would work too. 

 

they probably won't even confirm when you tell them when you join, but feel free to do either just in case. AUSA is free, FFA is like $8 if you don't have a free source of it from another CU or something.

Starting FICO 8:
Current FICO 8:



Message 2 of 12
AndySoCal
Senior Contributor

Re: Qualifications to join Redstone FCU pre-CC app?

I joined by becoming a member of the financial fitness association first. I used the link from FFA partners for Redstone. I applied for membership was approved after a  video call.

FICO Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 808 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 30,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banks and Credit Unions: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU Veridian Credit Union Utah Community Credit Union
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank BMO Langley FCU Paypal Barclays
Message 3 of 12
SouthJamaica
Mega Contributor

Re: Qualifications to join Redstone FCU pre-CC app?

I was able to join by being a member of the American Consumer Council.


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 4 of 12
unsungivy
Valued Contributor

Re: Qualifications to join Redstone FCU pre-CC app?

 

@SouthJamaica wrote:

I was able to join by being a member of the American Consumer Council.


Interesting, I don't see that one on their list? Does it cost to join?

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Message 5 of 12
SouthJamaica
Mega Contributor

Re: Qualifications to join Redstone FCU pre-CC app?


@unsungivy wrote:

 

@SouthJamaica wrote:

I was able to join by being a member of the American Consumer Council.


Interesting, I don't see that one on their list? Does it cost to join?


Now I'm not sure. Maybe it was the Financial Fitness Association.


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 6 of 12
unsungivy
Valued Contributor

Re: Qualifications to join Redstone FCU pre-CC app?

 


@SouthJamaica wrote:

@unsungivy wrote:

 

@SouthJamaica wrote:

I was able to join by being a member of the American Consumer Council.


Interesting, I don't see that one on their list? Does it cost to join?


Now I'm not sure. Maybe it was the Financial Fitness Association.


Thanks, sounds like FFA may be the way to go.

 

One more thing: do they do a hard pull to join?

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Biz - Debit Cards -
Message 7 of 12
SouthJamaica
Mega Contributor

Re: Qualifications to join Redstone FCU pre-CC app?


@unsungivy wrote:

 


@SouthJamaica wrote:

@unsungivy wrote:

 

@SouthJamaica wrote:

I was able to join by being a member of the American Consumer Council.


Interesting, I don't see that one on their list? Does it cost to join?


Now I'm not sure. Maybe it was the Financial Fitness Association.


Thanks, sounds like FFA may be the way to go.

 

One more thing: do they do a hard pull to join?


No, it was a soft pull.


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 8 of 12
unsungivy
Valued Contributor

Re: Qualifications to join Redstone FCU pre-CC app?

Thanks all. Did app yesterday, called them for video call today, approved within minutes. Will plan to snag the CC later this month 👍

AU - Sock - On my
Biz - Debit Cards -
Message 9 of 12
unsungivy
Valued Contributor

Re: Qualifications to join Redstone FCU pre-CC app?

Welp, that plan lasted what, a week? Thank goodness it was only a soft pull.

 

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Message 10 of 12
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