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I've been a member there for three years - just wondering if ya'll could share your CC experiences with them. They base their APRs on your credit scores (740+ gets the lowest), so I'd get a 9.9%, but I want to know if they give generous CLs. I don't qualify for NFCU, and can't seem to talk my sister and bro in law into joining, so please don't suggest that as an option.
Thank you!!!
Hey,
I have been with UFCU for almost 2 years now and they have been really good to me. I have refinance auto loans with them starting at 7.4%. Then back in march 2009 i requested for a lower APR and yes they approved to reduced it down to 5.95%. I was happy for that..
I also have a credit card with them started with $3K limit, then i increased to $4k, then $6.5k, then now at $10k. The CC APR now at 9.9%, initially 11.9%. They say to get 6.9% you need a credit score of 740 or better and I'm working on that. I'm almost there, maybe I am there already.
So far so good, they are pretty cool, the best Credit Union I ever joined. I also have join Texas Tech FCU but rarely used their services..
@Anonymous wrote:Hey,
I have been with UFCU for almost 2 years now and they have been really good to me. I have refinance auto loans with them starting at 7.4%. Then back in march 2009 i requested for a lower APR and yes they approved to reduced it down to 5.95%. I was happy for that..
I also have a credit card with them started with $3K limit, then i increased to $4k, then $6.5k, then now at $10k. The CC APR now at 9.9%, initially 11.9%. They say to get 6.9% you need a credit score of 740 or better and I'm working on that. I'm almost there, maybe I am there already.
So far so good, they are pretty cool, the best Credit Union I ever joined. I also have join Texas Tech FCU but rarely used their services..
What were your scores when you got the $3K limit? I've got a 10K with PenFed and with Citi, plus others. They have my car loan at 4.95%.
I may tell my daughter about this CU.
Which CR do they pull?
@Anonymous wrote:I may tell my daughter about this CU.
Which CR do they pull?
They pulled EQ in Arizona. They give great customer service, and they are available 24/7. I've had cars financed through them for almost four years. UFCU.org.
Thanks for the info as I've been looking for maybe a 2nd CU to add onto my NFCU membership.
Can you tell me where you found the info about what rate you would pay for what FICO score? I see the loan rates talk about excellent, good, fair, etc credit but I can't find what scores fit into each category.