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SDFCU rocks--why I subscribe to long term strategy

SouthJamaica
Super Contributor

Re: SDFCU rocks--why I subscribe to long term strategy


@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.

Message 11 of 35
arizonahd
Contributor

Re: SDFCU rocks--why I subscribe to long term strategy

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. 

Message 12 of 35
Gmood1
Community Leader
Super Contributor

Re: SDFCU rocks--why I subscribe to long term strategy


@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

 



My most prized tradeline.
Message 13 of 35
baller4life
Super Contributor

Re: SDFCU rocks--why I subscribe to long term strategy

+1. Only share savings. I had $5 in it. 😃
Message 14 of 35
Namaste7
Established Contributor

Re: SDFCU rocks--why I subscribe to long term strategy


@baller4life wrote:
+1. Only share savings. I had $5 in it. 😃
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.
~~MMXX~~
My Garden Goal: Double NW
Message 15 of 35
jfriend33
Senior Contributor

Re: SDFCU rocks--why I subscribe to long term strategy

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.

EQ 730, TU 730, EX 720. INQs EQ-1, TU-9, EX-7 AAOA 4yrs Util 6% Inspiration: Themanwhocan's Cash Back Charts
Message 16 of 35
peghede
Valued Contributor

Re: SDFCU rocks--why I subscribe to long term strategy

@ SouthJamaica, same thing for me back in june this year. this cu fail.lol

Message 17 of 35
longtimelurker
Mega Contributor

Re: SDFCU rocks--why I subscribe to long term strategy


@jfriend33 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.

Message 18 of 35
SouthJamaica
Super Contributor

Re: SDFCU rocks--why I subscribe to long term strategy


@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 Smiley Happy

Message 19 of 35
peghede
Valued Contributor

Re: SDFCU rocks--why I subscribe to long term strategy

Don't stay away, run away and never look back.

Message 20 of 35
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