BEST Credit Unions (Poll)

[Jnbmom]

As for hoops for my BECU I had opened checking and savings funded the accounts and then was approved for credit card. Weeks later they froze all my accounts and I had to fax ID verfication,  I faxed it and they never  got it . I faxed again 3 more times then send it mail it took weeks for them to verify and numerous phone calls but in the end accounts reinstated.

[UpperNwGuy]

NFCU is the biggest and the best.

[UpperNwGuy]

---

@Jnbmom wrote:

As for hoops for my BECU I had opened checking and savings funded the accounts and then was approved for credit card. Weeks later they froze all my accounts and I had to fax ID verfication,  I faxed it and they never  got it . I faxed again 3 more times then send it mail it took weeks for them to verify and numerous phone calls but in the end accounts reinstated.

---

This may not apply here, but I was told by a customer service representative at a different financial institution that the ID verification process for new accounts intentionally takes two or three weeks because, if you're not a real person, the institution wants to allow sufficient time for the real person to come forward and claim fraud.  I asked what the institution does during those two or three weeks, and the answer was:  nothing, just letting time pass.

[Jnbmom]

---

@UpperNwGuy wrote:

---

@Jnbmom wrote:

As for hoops for my BECU I had opened checking and savings funded the accounts and then was approved for credit card. Weeks later they froze all my accounts and I had to fax ID verfication,  I faxed it and they never  got it . I faxed again 3 more times then send it mail it took weeks for them to verify and numerous phone calls but in the end accounts reinstated.

---

This may no apply here, but I was told by a customer service representative at a different financial institution that the ID verification process for new accounts intentionally takes two or three weeks because, if you're not a real person, the institution wants to allow sufficient time for the real person to come forward and claim fraud.  I asked what the institution does during those two or three weeks, and the answer was:  nothing, just letting time pass.

---

Mine literally took about a month 🙄

[Aim_High]

Echoing some of the above advice that Navy FCU, PenFed,and AOD FCU are all great.

My best advice, though, is that there are some great credit unions that are strictly geo-fenced or restricted by SEGs (Selected Employer Groups.)  So start paying attention as you drive around locally and notice which ones you see.   Or check through your employer for options.  Or search on the web for credit unions, then look for reviews.   You may find a local one that works better for you than those three above.  It's good to have a lender with physical branches nearby and none of those are convenient everywhere nation-wide.

[Anonymous]

Some of us join several CUs for various products(currently I am a fan of PenAir and ETFCU, neither has any cc product of note).   If instead you are the sort of person who doesn't like joining lots of things, consider what you might want one day and see if the CU is a match.