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I've been a member of DCU for 2 years and have never received any offers. Today, I logged in and it says "You're approved for a loan! Touch here to get started". When I touch one of the logos (credit card, car loan, personal loan), it takes me to the Loan Suite page, but all options say "Apply" only. No pre-approvals. I'm assuming these aren't true pre-approvals, but it's strange that every time I log in now it gives me the same message. I'm waiting until my Equifax gets above 680 before applying for a car refinance with them. I'm just curious if these are real pre-approvals. Has anyone had this experience with DCU?
It could be that the screwup was someone prematurely releasing a batch of prepared email notifications ~4 weeks early. Their normal cycle would be to refresh on or about April 1 so check for preapprovals again in early April.
I have the same message on my DCU acct "you're pre-approved" but when I click on it, it says apply.