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NIH Federal Credit Union (NIHFCU) Visa Platinum

Harvey26
Valued Contributor

Re: NIH Federal Credit Union (NIHFCU) Visa Platinum

@Hottsaucy Conrgats on your approval! I have an auto loan with NIH and Personal Loan both at the lowest rates I was also offered a 15K Visa which I declined I recently refinanced my car loan to my credit union becuase you can not pay any of their products from outside banks and it has become very annoying to transfer money to them just to pay the account.

Message 11 of 21
MyFault
Valued Contributor

Re: NIH Federal Credit Union (NIHFCU) Visa Platinum

Congrats on your approval!



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Message 12 of 21
ComeBackLady
Established Contributor

Re: NIH Federal Credit Union (NIHFCU) Visa Platinum


@Hottsaucy wrote:

@ComeBackLady 

NIHFCU seems to be aggressively expanding their product offerings to everyone. I haven't seen alot of information on this forum about this credit union, I think they are a hidden gem. lol They are a bit more conservative than Navy Federal but it's another great credit union to build a relationship with. For those looking to build credit, all of their unsecure credit cards come with 0% APR for 12-15 months and their secured cards graduate and offer some of the highest limits for secured card...I believe up to $25k which they return after 1 year. They have an emergency loan that is similar to a payday loan with no credit check just needing last couple of paystubs. They have line of credit / overdraft protection if you have a checking account with them up to $10k. They also have VitaLoan up $500 - $700 for personal needs with low apr, repayment terms up to 60 months and no payment for 90 days. Holidays loans up to $3,000. I was preapproved for an auto loan refinance and they have some really good rates. I will take them up on their offer of 3.7% @ 60 months and my initial credit pull is good for 60 days. I've heard that once you build a relationship with them and don't default on anything, they become more generous. 

 

 


Thanks so much for sharing what's great about them. 🙏🏻

Starting Score: June 2020: 502
Current Score: EX: May 15 - 687, EQ: APR 2021 – 668, MAY 2021 – 726, APR 26 - TU: 673
May 15 - TU: 697

Goal Score: Good: 670 by May ✅. By JUN 675✅,
Come on 680 across all 3 ✅, 690’s by JUN. Over 700 in 2021, ideally 725plus, 805 LT
Inquiries: 30/0, 60/1, 90/6, 12/13
TCL: JUN 2020 $700, MAY 2021 $13,051
AAoA 1 YR 6 Months AoYA 7 weeks
2021 Goal Cards: NAFs and $5K CL’s


Bank and Credit Union Memberships:

Take the myFICO Fitness Challenge

Message 13 of 21
Credit4Growth
Valued Contributor

Re: NIH Federal Credit Union (NIHFCU) Visa Platinum

@Hottsaucy   🎆  Congratulations on your approval also thank you for the additional information! 

 

@Harvey26  Thank you for that insightful info, it is something to be mindful of when considering to this CU.

|| DTI 8% || Mortgage Scores: EQ724, Tu694, EX726 ||
Inquiries: EQ/TU/EX (0 / 2 / 1) - 0/6 - 0/12 - 3/24 ||


Next App on the list is ???
Last apps: (2) August 18, 2019
Garden goal - Unknown date, 2021
Going for Sapphire spade - May 18th 2021

Dirty/ Thick/ Aged/
Message 14 of 21
Hottsaucy
Member

Re: NIH Federal Credit Union (NIHFCU) Visa Platinum

@Harvey26 

Yes for NIHFCU loan payments you have to transfer funds into your checking account 1st to be able to pay your loan. I plan to just set up automatic reoccuring zelle payments to that checking and my car note will come out on auto pay. 

 

The good news is that only applies to loan products. If you have a credit card through them you actually can pay your bill from any outside bank.

 

As for loans....hopefully they update their website to be more versatile. 

Starting Score: 02/2020: EX 520 ✦ EQ 527 ✦ TU 518
Current Score 07/2021: EX 703 ✦ EQ 719 ✦ TU 701

Goal Score:
800


Discover It $3,000 | NFCU More Rewards $23K | Chase Sapphire Preferred $14,700 | NIHFCU Platinum $6,500
NFCU Platinum $3,000
American Express Platinum NSP | American Express Blue Cash Everyday $1,000 | FNBO Evergreen Rewards $14,000
Navient Student Loan - 8 late pays 120 days Feb 2019

Message 15 of 21
Elpadrino1
Established Contributor

Re: NIH Federal Credit Union (NIHFCU) Visa Platinum

Congrats on your approval!! You mentioned they pull Equifax for credit products; by any chance, do you know which version? 5,8, or 9.. Thanks! 

Message 16 of 21
Harvey26
Valued Contributor

Re: NIH Federal Credit Union (NIHFCU) Visa Platinum

@Elpadrino1  I believe it was EQ8 or 9 

Message 17 of 21
Elpadrino1
Established Contributor

Re: NIH Federal Credit Union (NIHFCU) Visa Platinum

@Harvey26 Thank you! 

Message 18 of 21
CarolynArt
Regular Contributor

Re: NIH Federal Credit Union (NIHFCU) Visa Platinum

@Hottsaucy 

Congratulations. 🎊 For membership do they only run credit or ChexSystems as well? 

Message 19 of 21
babygirl1256
Valued Contributor

Re: NIH Federal Credit Union (NIHFCU) Visa Platinum

Congrats on your NIHFCU Visa Platinum.

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 20 of 21
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