Probably not many here using this small footprint Texas geofenced CU, but figured i would add a datapoint for those that do or within their coverage areas considering it.
11 months ago I was approved for the MCCU (Members Choice Credit Union) Choice rate platnum at 8.25%apy, which was great!
Unfortunately, due to the Fed hikes since then, I noticed today that I have the new raised minimum (lowest rate avail) of 11%apy
Ouch... but still better than all my other cards.
They did not do an auto cli at 6mos. so, I visited a branch in person at 8mos and they did a sp cli.
It should also be noted that MCCU can/will upon request us a single Eq hp for multiple product applications (e.g. Auto fin/ref, cc, ploc, etc.).
Original myFICO MCCU approval thread for all the other data points regarding the geofenced CU: https://ficoforums.myfico.com/t5/Credit-Card-Approvals/MCCU-Platnum-choice-rate-Visa-8-25-apy/m-p/65...
@Drifter73 wrote:Probably not many here using this small footprint Texas geofenced CU, but figured i would add a datapoint for those that do or within their coverage areas considering it.
11 months ago I was approved for the MCCU (Members Choice Credit Union) Choice rate platnum at 8.25%apy, which was great!
Unfortunately, due to the Fed hikes since then, I noticed today that I have the new raised minimum (lowest rate avail) of 11%apy
Ouch... but still better than all my other cards.
They did not do an auto cli at 6mos. so, I visited a branch in person at 8mos and they did a sp cli.
It should also be noted that MCCU can/will upon request us a single Eq hp for multiple product applications (e.g. Auto fin/ref, cc, ploc, etc.).
Original myFICO MCCU approval thread for all the other data points regarding the geofenced CU: https://ficoforums.myfico.com/t5/Credit-Card-Approvals/MCCU-Platnum-choice-rate-Visa-8-25-apy/m-p/65...
Who are the MCCU "member associations" one can join to be eligible for MCCU membership?
@SouthJamaica wrote:
@Drifter73 wrote:Probably not many here using this small footprint Texas geofenced CU, but figured i would add a datapoint for those that do or within their coverage areas considering it.
11 months ago I was approved for the MCCU (Members Choice Credit Union) Choice rate platnum at 8.25%apy, which was great!
Unfortunately, due to the Fed hikes since then, I noticed today that I have the new raised minimum (lowest rate avail) of 11%apy
Ouch... but still better than all my other cards.
They did not do an auto cli at 6mos. so, I visited a branch in person at 8mos and they did a sp cli.
It should also be noted that MCCU can/will upon request us a single Eq hp for multiple product applications (e.g. Auto fin/ref, cc, ploc, etc.).
Original myFICO MCCU approval thread for all the other data points regarding the geofenced CU: https://ficoforums.myfico.com/t5/Credit-Card-Approvals/MCCU-Platnum-choice-rate-Visa-8-25-apy/m-p/65...
Who are the MCCU "member associations" one can join to be eligible for MCCU membership?
By zip code option: https://www.mccu.com/member-rewards/zip-code-service-area
By partner company option: https://www.mccu.com/member-rewards/list-of-partner-companies
Updated: (See the "by association" option in the post below this one)
@SouthJamaica wrote:
@Drifter73 wrote:Probably not many here using this small footprint Texas geofenced CU, but figured i would add a datapoint for those that do or within their coverage areas considering it.
11 months ago I was approved for the MCCU (Members Choice Credit Union) Choice rate platnum at 8.25%apy, which was great!
Unfortunately, due to the Fed hikes since then, I noticed today that I have the new raised minimum (lowest rate avail) of 11%apy
Ouch... but still better than all my other cards.
They did not do an auto cli at 6mos. so, I visited a branch in person at 8mos and they did a sp cli.
It should also be noted that MCCU can/will upon request us a single Eq hp for multiple product applications (e.g. Auto fin/ref, cc, ploc, etc.).
Original myFICO MCCU approval thread for all the other data points regarding the geofenced CU: https://ficoforums.myfico.com/t5/Credit-Card-Approvals/MCCU-Platnum-choice-rate-Visa-8-25-apy/m-p/65...
Who are the MCCU "member associations" one can join to be eligible for MCCU membership?
By association option:
If you live in Texas: TCC (Texas Consumer Council)
If you live outside Texas: ARC of Harris County
On page #2 of the membership application you can choose option #4 and it will let you choose one of the above choices. It will then walk you through how to join them.