I agree with you, OP. Ask them.
I think you should speak to representatives before joining a credit union, their most valuable aspect is that they should not treat you like just a customer, but as a member.
If they are willing to help you, great.
If they aren't, look for a better one. In the average-size city I'm from we have multiple CU's anyway
http://mapping.ncua.govhttps://co-opcreditunions.org/locator/
Cards: BCE 24k 5/'17 | CF 12k 10/'15 | IHG 12k 10/'15 | HH 6k 6/'18 | DS It 6k 3/'15 | TR 5k 11/'15
Scores: 760-770 | Inquiries: 0-1 | Utilization: 0-10% | AAoA: 3yrs | Bank: Ally | CU's: Navy & Pentagon
