I saw that Redstone FCU has a ~%5 apy savings account up to $2,500 and was very interested in joining this credit union. Thanks to a post from Gmood, I read that applying for this card is a way to both gain membership and get a card with 1 hp rather than 2 (one for joining, and one for apping for a card). I figured if i'm going to get an HP I may as well get a card too. Approved for $6,000. Pulled EX (Fico 8 is 740, not sure which version they look at). 17 inqs and newest account is 3 months old (new NFCU plat obvi not reporting yet), AAoA is around 1 year 1 month, oldest is 2.8 years. So, this credit union is definitely not sensitive to anything, but according to other posts it is still good idea to have a 700 score when apping. Very excited to get into this CU and maybe get their Visa Sig down the road. I apped at around 12 am (I am starting to see a correlation between my apping and being up late...) so it went into review but was approved at 9 am this morning. No verification besides when apping I uploaded my DL to 'prefill', i'm not sure if that was optional but I figured it wouldn't hurt for security verification.
The card has APR fixed at %18 but has 6 months intro %0. You get %5 CB at Rural King ( I live in Minneapolis so...) and %1.5 everywhere else so it is still a nice non-category card. I haven't seen an approval for less then $5,000 on myFico so if you're looking to join a CU and not get an initial toy-limit this might be a good choice.
Congratulations on your approval!
@M_Smart007 wrote:
@AllZero wrote:
Congratulations on your approval!Where is your approval @AllZero ???
@M_Smart007. I'm waiting to bust out of the garden around July.
Congratulations!
@AnimatorProcrastinator wrote:... Approved for $6,000 ... I am starting to see a correlation between my apping and being up late ...
Cool story, AP & nice self-awareness 
Congrats! on your approval. 
Congratulations and welcome to the Redstone family!!!😃
@AllZero wrote:
@M_Smart007 wrote:
@AllZero wrote:
Congratulations on your approval!Where is your approval @AllZero ???
@M_Smart007. I'm waiting to bust out of the garden around July.
@AllZero, I know where the secret escape is
@AnimatorProcrastinator wrote:I saw that Redstone FCU has a ~%5 apy savings account up to $2,500 and was very interested in joining this credit union. Thanks to a post from Gmood, I read that applying for this card is a way to both gain membership and get a card with 1 hp rather than 2 (one for joining, and one for apping for a card). I figured if i'm going to get an HP I may as well get a card too. Approved for $6,000. Pulled EX (Fico 8 is 740, not sure which version they look at). 17 inqs and newest account is 3 months old (new NFCU plat obvi not reporting yet), AAoA is around 1 year 1 month, oldest is 2.8 years. So, this credit union is definitely not sensitive to anything, but according to other posts it is still good idea to have a 700 score when apping. Very excited to get into this CU and maybe get their Visa Sig down the road. I apped at around 12 am (I am starting to see a correlation between my apping and being up late...) so it went into review but was approved at 9 am this morning. No verification besides when apping I uploaded my DL to 'prefill', i'm not sure if that was optional but I figured it wouldn't hurt for security verification.
The card has APR fixed at %18 but has 6 months intro %0. You get %5 CB at Rural King ( I live in Minneapolis so...) and %1.5 everywhere else so it is still a nice non-category card. I haven't seen an approval for less then $5,000 on myFico so if you're looking to join a CU and not get an initial toy-limit this might be a good choice.
If that was the post about saving some trees in northern Alabama,
they got $25.00 outta me and I got the Thanks for applying Bub letter :-)
Congratulations on the approval!,
Enjoy,and thanks for sharingyour story,
Cheers