Is there a credit union for me?

[Math_Rocks]

I have multiple questions as the year draws to a close so I'm going to try to split them up and get to the point with each:

Question #3 -  This is a two-in-one question: I'd really like to get in with a credit union that would be"good" to us but I don't qualify for the military ones. Is there such a credit union in Arkansas? Or for the military ones which have a "side-door", is there one that does not despise lots of inquiries and highish inquiries?

[Anonymous]

there are loads of cu's that you can join simply by being a member of an orginization. some are free to jion others have a small donation associated with joining.

justice - nsa

agrculture - city dance

delta - getting ahead

just some examples.

as for part 2, just depends on your scores, income, and reports.

[Math_Rocks]

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@Anonymous wrote:

there are loads of cu's that you can join simply by being a member of an orginization. some are free to jion others have a small donation associated with joining.

justice - nsa

agrculture - city dance

delta - getting ahead

just some examples.

as for part 2, just depends on your scores, income, and reports.

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Do you know which of these would be concerned about high util and/or inquiries? Between DH and I, we've applied for about 10 new accounts this year and opened 7.

[Anonymous]

sorry. can't help on the uti/inq part. even cu's seem to be cautious these days.

[haulingthescoreup]

If you are affiliated with a university, check to see if it has a CU. Otherwise, hit the Yellow Pages and find a local CU.

There are more local CU's than banks where I live (East Tennessee.)

[Anonymous]

Here are some websites that you can use to find a credit union:

http://creditunionaccess.com/

http://credituniondirectory.net/

http://www.creditunionsonline.com/

http://www.findacreditunion.com/

http://www.creditunion.coop/cu_locator/quickfind.php

http://ncua.gov/indexdata.html

[Anonymous]

Also, some credit unions participate in something called shared branching. This can be a pretty handy feature. Here's more information:

http://www.cuswirl.com/pages/about.htm

http://www.cuswirl.com/services/index.htm

[Anonymous]

In addition to the ones that imducky mentioned, these are some of the other favorites as far as credit unions that anyone can join:

Patelco CU
Pentagon Federal CU
Nasa Federal CU
Addison Avenue Federal CU
Digital Federal CU
Alliant CU
Christian Community CU

Message Edited by MojaveMoon on 12-29-2008 06:41 PM

[Math_Rocks]

Wow! Thanks for the great information, Mojave!

[Anonymous]

Also, just drive around on your way to or from work and you'll probably see more credit unions then you think. 

I recently joined one, for a 5.09% APY on a checking account I use to save my house fund and once I heard about it, I noticed there were three credit unions in the county I worked at.  

Additionally the one I joined, all I needed to do was pay $5.00 to join, and put $5.00 in the share savings account.  No other requirements.