Anyone with experience with BECU?

[Anonymous]

Good morning,
I am currently banking with a local credit union near me but am considering switching to Boeing Employees Credit Union in Washington. I've dug up what I could from past posts on MyFico. Here is what I've concluded. They hard pull you when you apply for a checking account. I was thinking if I apply and they hard pull me I should also apply for a credit card while I'm at it for the same hard pull. Is this possible? Anyone gave experience with BECU?

[Anonymous]

What is the attraction?  Their ccs little pretty uninteresting, unless you really get the lowest APR.

[Anonymous]

I have a checking and a savings account with BECU, no hard pull. They offer a good no fee banking service, and pay good interest on the first $500 in your account, but after that their rates are low and their credit card isn't interesting.

What I am planning to do is get a PLOC with them and set it up as an overdraft on my account. Haven't done that yet, gardening until November.

But when I do that I am planning to move all my banking to BECU. I will see if they will give me a car loan at the same time hopefully on the same HP.

[Anonymous]

FWIW, I will link to a savings account elsewhere (my savings direct) and continue using Amex and BoA for credit cards, but BECU for bill pay.

[CH-7-Mission-Accomplished]

I love BECU.  Their auto rates are close to DCU's.  Go for it.  

[Themanwhocan]

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@Anonymous wrote:

What is the attraction?  Their ccs little pretty uninteresting, unless you really get the lowest APR.

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All you can do, is try...

[CH-7-Mission-Accomplished]

They gave me an unsecured credit card for 5K 12 months post filing with a 10% interest rate.

[Anonymous]

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@Themanwhocan wrote:

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@Anonymous wrote:

What is the attraction?  Their ccs little pretty uninteresting, unless you really get the lowest APR.

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All you can do, is try...

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Not quite.  You can also not try!

[Themanwhocan]

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@Anonymous wrote:

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@Themanwhocan wrote:

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@Anonymous wrote:

What is the attraction?  Their ccs little pretty uninteresting, unless you really get the lowest APR.

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All you can do, is try...

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Not quite.  You can also not try!

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*sigh* ... always with you it cannot be done. Hear you nothin that I say? - Yoda

[NRB525]

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@Anonymous wrote:

What is the attraction?  Their ccs little pretty uninteresting, unless you really get the lowest APR.

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How is the BECU Credit Card not interesting?

Everyone gets all dreamy-eyed over the Barclays Ring card, but compare:

Ring: 8% BECU: Low as 6.9%

No FTF Same same

No BT Fee Same same

No penalty fees Same same

No cash advance fee Same same

No Rewards Same same (You can buy-in to the BECU Rewards if you so choose by paying an annual $25 fee, optional)

If you are not in the area served by BECU (Washington and several other states where Boeing has operations) then you are Simply Out of Luck, but if you are in the service area, it's worth looking into.

If you don't get the best APR initially with BECU, there is an annual review each September: based on your credit file improvements they will lower your APR proactively.