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I cant speak on allliant because i have no experience with them,, However psecu is fantastic, youll get you ex fico score each month, plus they are very generous lenders.
Also its not really a hassle to join, its just a little slow (couple of weeks average), however once your a member everything is really fast.. Its definetley worth it if your willing to take 2 inquiry hits
Does PSECU hit you with a hard inq when you initially apply? What about every month when they give you your EX FICO?
I just joined PSECU and had no hassle at all. Mailed in my application with copies of the park and rec membership, DL and pay stub got all my packet, card and checks within 2-3 weeks. I think they just got flooded when this and atleast one other board flooded them with new apps.
Both are excellent IME, Alliant for deposit rates, ACH hub etc. and
PSECU for the combo, EX... it's generally no more of a hassle than any other CU to join these days, experiences vary.
Why not join both?
Alliant - Great deposit rate, CURewards for its credit card. (Pulls EQ and Chexsystem)
PSECU - EX FICO score, generous credit (its credit card does not have rewards however).
Did you know that Digital Credit Union offers free EQ FICO for every month?
Trumpet:
I'm with DCU and yes they do offer free EQ FICO that I get at the end of each month. I am contemplating PSECU for the EX FICO. But as many said it's a hard pull initially then soft afterwards.
I only know my EX plusscore is 644, so it would be godo for me to know my EX FICO. Stll debating
@trumpet-205 wrote:Why not join both?
Alliant - Great deposit rate, CURewards for its credit card. (Pulls EQ and Chexsystem)
PSECU - EX FICO score, generous credit (its credit card does not have rewards however).
Did you know that Digital Credit Union offers free EQ FICO for every month?
+1. Join them both. You will NOT regret the extra hard inq(s) in the long run.
I plan to join both eventually, however, I am going to be buying a car right around the end of the year (nov-jan) and I don't want to have too many inquiries that could cause issues with me getting approved.
3 more inq is alot more than I really want.
Especially the 2 on EX. I know 6 isn't that many, but it's just MEH >_<.
I believe Alliant pulls EQ, (if i've read correctly they also soft EX, but who cares about that)
There will also be another inq on EQ from USAA.
As for Discover, if it's a hard, it looks like it will be a bit of a toss up, though probably TU (HOPE!!!) or EQ.
Honestly, I don't really care about the inqs, since once I get the Auto Loan won't be apping anything else for quite a while, and all but 1 of the inqs I have now will have fallen off by Dec next year anyway.
I also happen to have a USAA Auto Loan preapproval showing for now, it's popped in and out, but I have no idea what would happen if I hit accept. Rate is 4.69 which isn't terrible as far as I'm concerned.
Having Alliant and PSECU available for auto loans would be nice as well. How badly do you think the extra inq would hurt my chances? Or would it more just lower the rate?