@TheBoondocks wrote:
@Curious_George2 wrote:
@TheBoondocks wrote:
@Curious_George2 wrote:
@Anonymalous wrote:Dow Chemical Employee CU has a 6.9% fixed rate card, but it's hard to come up with other examples. There are a handful of credit unions with cards in the 3.X% range (Space Age, for example), but they're all variable based on the prime rate.
+1
They're based in Michigan, but not geofenced. I joined from far away with a small ($25?) donation to the local art museum.
But that hasn't update since 2018 tho.
You mean the membership eligibility requirements? I joined in 2020. Can't say for sure, but I don't see any reason to believe they've made undisclosed changes since then.
It's an old school CU. Takes very seriously the idea that the organization exists to serve its members. They literally give back about 40% of the interest members pay at the end of each year, and the rates they charge are good. Not all products are eligible for the giveback, but if one has to pay interest, getting such a big chunk of it back is a pretty sweet deal.
No, I didn't mean that but I would love to join. Did you get the credit card? I meant the rate, but its subject to change even after the published date. I want to know what's the current rate.
Oh, gotcha. Yep, I got the card in 2020. That was my sole reason for joining. The rate has been 6.9% the whole time.
Pics or it didn't happen...
@Curious_George2 wrote:
@TheBoondocks wrote:
@Curious_George2 wrote:
@TheBoondocks wrote:
@Curious_George2 wrote:
@Anonymalous wrote:Dow Chemical Employee CU has a 6.9% fixed rate card, but it's hard to come up with other examples. There are a handful of credit unions with cards in the 3.X% range (Space Age, for example), but they're all variable based on the prime rate.
+1
They're based in Michigan, but not geofenced. I joined from far away with a small ($25?) donation to the local art museum.
But that hasn't update since 2018 tho.
You mean the membership eligibility requirements? I joined in 2020. Can't say for sure, but I don't see any reason to believe they've made undisclosed changes since then.
It's an old school CU. Takes very seriously the idea that the organization exists to serve its members. They literally give back about 40% of the interest members pay at the end of each year, and the rates they charge are good. Not all products are eligible for the giveback, but if one has to pay interest, getting such a big chunk of it back is a pretty sweet deal.
No, I didn't mean that but I would love to join. Did you get the credit card? I meant the rate, but its subject to change even after the published date. I want to know what's the current rate.
Oh, gotcha. Yep, I got the card in 2020. That was my sole reason for joining. The rate has been 6.9% the whole time.
Pics or it didn't happen...
Hahah, appreciate it bro! It sucks that it comes with a BT fee tho of 3%, is it a HP to join the CU? Thanks.
@Curious_George2 wrote:If memory serves, @galahad15 apped unsuccessfully for the DCECU card. I was shocked by the denial because that member seemed to have a very strong profile. Maybe it was too many recently opened cards or something.
One other strange thing: their underwriter called me directly while the app was pending and asked what limit I wanted. I wasn't expecting that so I blurted out the first number that popped to mind, $10,000. They gave me that much, but I wish I had asked for more because CLIs are HP.
Thanks for the kind mention @Curious_George2! 
Yes I actually tried apping a total of 3x over the past 3 or so years , but alas each and every time, DCECU declined the apps, due to too many opened accounts, too much revolving debt and/or total exposure, etc. This is even though my FICO scores across all 3 CRAs are 770 - 800.
