DCU Pending #2 [Membership + CC App]

[WarJar101]

I would like to apply for membership online, but I need an organization to join into. Do you have to wait to join a participating organization first, then apply? Or could I do some one-step process online for membership? Thanks.

[Rhaeny]

Yea it gives you the option to pick one online when you sign up.  I chose the one for $10 bucks and I did it all at the same time....so yea a one step application.

[Anonymous]

Rhaeny is correct.

Goodluck.

[WarJar101]

Thanks guys, I found everything. I also stepped out of the garden and applied for the CC. To me another inquiry wouldn't hurt, might as well. Hopefully, they'll call in the morning with some good news. I didn't get an instant approval for the CC, just said that my application is being process and a representative will be with me shortly.

Any recommendations on the next steps I could do to facilitate and expedite the process?

[Anonymous]

---

@WarJar101 wrote:

Thanks guys, I found everything. I also stepped out of the garden and applied for the CC. To me another inquiry wouldn't hurt, might as well. Hopefully, they'll call in the morning with some good news. I didn't get an instant approval for the CC, just said that my application is being process and a representative will be with me shortly.

---

I don't think they do instant approvals... They'll probably need at least your DL and a utility bill to set up an account

[WarJar101]

---

@Anonymous wrote:

---

@WarJar101 wrote:

Thanks guys, I found everything. I also stepped out of the garden and applied for the CC. To me another inquiry wouldn't hurt, might as well. Hopefully, they'll call in the morning with some good news. I didn't get an instant approval for the CC, just said that my application is being process and a representative will be with me shortly.

---

I don't think they do instant approvals... They'll probably need at least your DL and a utility bill to set up an account

---

They allow you to scan and emailin those documents right?

P.S. I got preapproved for a 25k auto loan if that means anything while I was doing the membership app, if it does then I should definitely be eligible for a CC with them you think?

[Anonymous]

---

@WarJar101 wrote:

---

@Anonymous wrote:

---

@WarJar101 wrote:

Thanks guys, I found everything. I also stepped out of the garden and applied for the CC. To me another inquiry wouldn't hurt, might as well. Hopefully, they'll call in the morning with some good news. I didn't get an instant approval for the CC, just said that my application is being process and a representative will be with me shortly.

---

I don't think they do instant approvals... They'll probably need at least your DL and a utility bill to set up an account

---

They allow you to scan and send in those documents right?

---

I scanned my DL and my Sprint bill and that was good enough for them

[Anonymous]

Is DCU covered by the FDIC?

Also when joining, do they do a Hard pull or soft pull?

Thanks.

I am looking for a CU to join and I don't qualify for the NFCU. 

[Anonymous]

Good luck WarJar. I hope everything goes well for you. Not to be Debbie Downer but some (recently) have been approved for loan products but not the membership. Obviously until your membership is activated they will be a delay on your cc.

If I were you- I would take care of any membership issues ASAP.

Again, Good luck.

[Anonymous]

@ PilotDude

DCU is a fully insured CU -NCUA - only banks, savings and loans are FDIC.

Yes, they will pull EQ for membership AND loan products.