JFCU

[Anonymous]

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@wreith wrote:

Do they require a HP for membership?  I am eligible for membership based on employment.

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Yes. They pull Equifax. 

[Anonymous]

JFCU interest rates range from 11.9 - 16.9% for Visa CC. Many credit unions are offering rates under 10%. Sometimes PIF is not an option.

[Anonymous]

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@Anonymous wrote:

JFCU interest rates range from 11.9 - 16.9% for Visa CC. Many credit unions are offering rates under 10%. Sometimes PIF is not an option.

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They are also offering personal loans at 7.90% up to 60 months. 

[wreith]

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Yes. They pull Equifax. 

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Thanks, then I will hold off til next year as I want some of my HP's to age off.

[Anonymous]

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@gettnthere wrote:

@Anonymous, are they a conservative lender or are they typically pretty generous with CL?

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Don't know if I consider them conservative or generous.  I think they have decent but not high high lending standards.  Pretty typical for CU I would guess and they are Equifax puller.  There is a max 30k starting limit for new members for CC or other revolving line.  I got the 30k with income proof right off the bat with their JLOC product that has some unique features (which I won't broadcast).  I find them easy to deal with.  Their rates on their loan products are decent.  Not the lowest I have seen but very competitive.  Think 2.49% for auto and 7.9% for personal loan.   Free Checking.

[Anonymous]

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@wreith wrote:

Do they require a HP for membership?  I am eligible for membership based on employment.

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If you are in law enforcement, might not be bad idea to be supportive of them.  My JFCU ATM card has already gotten me out of a ticket!!

[wreith]

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If you are in law enforcement, might not be bad idea to be supportive of them.  My JFCU ATM card has already gotten me out of a ticket!!

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I work for the DHS, not the most liked agency out there, but I enjoy job most days.

[Anonymous]

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@wreith wrote:

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If you are in law enforcement, might not be bad idea to be supportive of them.  My JFCU ATM card has already gotten me out of a ticket!!

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I work for the DHS, not the most liked agency out there, but I enjoy job most days.

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I for one appreciate the work you are doing for us.

[Anonymous]

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@wreith wrote:

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If you are in law enforcement, might not be bad idea to be supportive of them.  My JFCU ATM card has already gotten me out of a ticket!!

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I work for the DHS, not the most liked agency out there, but I enjoy job most days.

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Btw, pm me if you want referral to join. Worth $25 bucks to you and like $50 to me.

[Anonymous]

They do not report to Transunion for me.