Hey MyFico Bunch. Does anyone know if Redstone Federal Credit Union is still issuing their harvest card by walking into Rural King farm stores to app?
Some of our members posted success on obtaining theirs by applying in-store which when approved also automatically enrolled them into the Credit Union as well. Curious if this is still going on.
The last time I visited one of their stores (around Oct), they were still promoting the card on one of the front table areas. You can also apply online. I don't believe there's any advantage from one or the other as far as UW or the odds. About the only thing I can think of is verifying your ID on the spot which may speed the process a bit. When I applied online last year I was approved without having to visit a store + I was enrolled automatically with RFCU 🤷🏼♂️
Rural King is still doing the card apps in the store. You can still apply online too. Also Redstone FCU still offering the Brighter Day savings account with a 2.015% APR for the first $2500.
I have the card and like it a lot. I not have a single bad thing about the card. When I applie, I had to call in to verify some information. The process was relatively painless. I also think highly of Redstone FCU as well.
It's definitely worth taking a look at getting, especially if you shop at Rural King.
I'm surprised at how good this card is for a store card. 0% promotional pricing, no FX fees, no balance transfer fees, no cash advance fees, 18% interest, and 1.5% back on all purchases outside RK. If you shop at RK regularly this is a no brainer. RK has good prices. As an example, right now they have 10% off all firearms which can easily be stacked with the 5% cash back.