Any CU suggestions ?

[Anonymous]

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@Anonymous wrote:

I called NFCU this morning to inquire about joining. My son is an enlisted Navy man but he does NOT belong to NFCU and for some reason does not want to join(but I do). The rep I spoke to told me he did not have to be a member for me to join. Stunned,I called back and spoke to a different rep,that told me the same thing. My son did not have to be a member for me join. I asked what personal info about my son would they need to open my account(base,rank etc) he told me none since my son was not a member.

Called back 30 min later...........I am officially a member of NFCU!!

Too scared to app for CC though

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Congratulations!

You are a member of the best CU in the country now! IMHO

If one reads the membership qualifications carefully on the NFCU site, nowhere does it say a family member cannot join if the family military member is not a member of NFCU.

In my particular case, since my dad was deceased and not receiving retirement pay, I was not qualified. What saved me was my mother sill living ( thank you mom!), and receiving an annuity form the D.O.D.

ETA: If you open a checking account, I suggest you may want to consider applying for the NavChek LOC.

Message Edited by plasticman on 09-17-2009 01:01 PM

[Anonymous]

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@Anonymous wrote:

I called NFCU this morning to inquire about joining. My son is an enlisted Navy man but he does NOT belong to NFCU and for some reason does not want to join(but I do). The rep I spoke to told me he did not have to be a member for me to join. Stunned,I called back and spoke to a different rep,that told me the same thing. My son did not have to be a member for me join. I asked what personal info about my son would they need to open my account(base,rank etc) he told me none since my son was not a member.

Called back 30 min later...........I am officially a member of NFCU!!

Too scared to app for CC though

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Why?

What is your EQ FICO score?

ETA: NFCU strictly pulls your EQ FICO when you apply for credit products, NFCU will tell you this also. This is the number you will want to know. IMO

Message Edited by plasticman on 09-17-2009 01:08 PM

[Anonymous]

Okay PMan,
I took the plunge this morning and apped nrewards....10K! I have NEVER had a cc with such a CL. Should I go ahead and app Alliant today also,or is it too soon?

[Anonymous]

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@Anonymous wrote:
Okay PMan,
I took the plunge this morning and apped nrewards....10K! I have NEVER had a cc with such a CL. Should I go ahead and app Alliant today also,or is it too soon?

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Congratulations!

Unfortunately, I cannot help you with any authoritative information on Alliant CU. There are many members whom belong to Alliant, and would much better serve you.

 I do know there are many threads for you to gather information if you do a search here.

I am most happy for your success!

BTW... an idea I can also suggest would be for you to start a new thread, of your own credit profile information specific to Alliant, on the CC board if your intent is to join Alliant to apply for a CC. There are many members here, extremely generous with their time and effort, whom will help you with your Alliant questions. 

Message Edited by plasticman on 09-18-2009 03:55 PM

[Anonymous]

Thank you! I think I would prefer to get all my apps done at one time,so they all drop off around the same time. That's my story and I'm stickin to it! Lol

[Anonymous]

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@Anonymous wrote:
Thank you! I think I would prefer to get all my apps done at one time,so they all drop off around the same time. That's my story and I'm stickin to it! Lol

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You are most welcome!

Best of Luck!

[pmeisner01]

Just had my wife call to try to get membership thru her fathers military service even though he is not a member of NFCU and still works as a civilian now on a base and they told her that he had to be a member before she could join.  Although the CSR had to check and read back the eligibility requirements verbatim to what the website says, so not sure if we got bad info from CSR but told wife to call back tom.

[Anonymous]

I haven't had a chance yet to call, but I'm very hopeful reading all of the responses. 

Should I try to apply online first or just wait till Monday to call and talk to a account rep ? 

[Anonymous]

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@pmeisner01 wrote:
Just had my wife call to try to get membership thru her fathers military service even though he is not a member of NFCU and still works as a civilian now on a base and they told her that he had to be a member before she could join.  Although the CSR had to check and read back the eligibility requirements verbatim to what the website says, so not sure if we got bad info from CSR but told wife to call back tom.

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First, go to the NFCU home page, under search put in "eligibility", the next screen will be a link to detailing whom qualifies right at the top of the page. Click on that link, you will then see detailed eligibility requirements.

When you call , make the phone call during the day Monday thru Friday EST ( the most knowledgeable CSRs work during this time) and make sure you are speaking with "membership services". Do not speak with any CSR for your eligibility, unless they are specifically in "membership services".

Message Edited by plasticman on 09-18-2009 05:52 PM

[pmeisner01]

Thanks plasticman for the info on NFCU as of this morning both my wife and myself are now members.