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@baller4life wrote:My SDFCU thread below. Very happy with them:
http://ficoforums.myfico.com/t5/Personal-Finance/SDFCU-Person-Loan-Check/m-p/4796221#U4796221
Inspired by OP I went and applied for membership.
They actually turned me down because I didn't satisfy their "identification" score, and said I have to come into a branch personally to join.
I think I"ll pass.
I am thinking about joining, that sounds like a great deal.
So, do you have to have the checking/savings account with them to get the offer? WF currently owns my soul in that department.
@arizonahd wrote:I am thinking about joining, that sounds like a great deal.
So, do you have to have the checking/savings account with them to get the offer? WF currently owns my soul in that department.
You need a shared savings account. I only had a $1 in it for the last year. lol
I am another one who did not make a large initial deposit. I had reservations about joining SD knowing the CU is highly, conservative. Fortunately, I've really grown to like them. I'm considering stashing a few more dollars to enhance the relationship and, like OP, I'm seeking a long-term relationship.
@baller4life wrote:
+1. Only share savings. I had $5 in it. 😃
Congrats! 36 months unsecured at 6.99% is certainly nothing to balk at. With a little effort someone could get 10-15+% in return so there you go. Take the check, and go look into lending robot.
@ SouthJamaica, same thing for me back in june this year. this cu fail.lol
@Anonymous wrote:Congrats! 36 months unsecured at 6.99% is certainly nothing to balk at. With a little effort someone could get 10-15+% in return so there you go. Take the check, and go look into lending robot.
But presumably not without some risk as otherwise for-profit institutions wouldn't have loans at less than this.
@peghede wrote:@ SouthJamaica, same thing for me back in june this year. this cu fail.lol
Better not to get involved with people that dumb. The way I look at it, if an organization is that stupid, it will come back to bite you someday if you get in deeper with them. I just take something like that as a warning from above.... stay away
Don't stay away, run away and never look back.