There scan deposits says you must wait 30 days. I was able with a phone call get that dropped my first week. It's worth a call.
They seem to drop all of their "30 day" requirements with a phone call.
To the OP, I am impressed you became a member that quickly. I applied online, and it was taking so long I ended up driving to a branch (1hr away).
Some good advice around here, I enjoyed reading the "credit" debate... To apply for what you need, but in an emergency who knows what you need? I am of the opinion a large cache of unused credit is a good thing, I would say at least 50% of your income is probably about right. I'm positive there are different opinions on the board, and this is not an attempt to solicit an argument 