The NFCU new account inquiry question?

[TilltedBrim]

I've really been trying to backoff from applying for new accounts because I have six inquiries back in December.  Does applying for a new checking/savings account at NFCU effect me as much as applying for a new CC?  Thank you

[Anonymous]

I can't be sure for NFCU, but I can tell you that most credit unions do a hard pull for joining.

[bichonmom]

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@TilltedBrim wrote:

I've really been trying to backoff from applying for new accounts because I have six inquiries back in December.  Does applying for a new checking/savings account at NFCU effect me as much as applying for a new CC?  Thank you

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Unfortunately the inq are not distinguished on your CR, so yes, the inq for joining would be the same on your CR as an inq for a CC app. However, NFCU does not HP to open a ckg or savings: only to join and app for credit products. Sometimes they pull one CR for joining and a different one for apps -- usually EQ and TU. Also, they do separate inq for every credit product, regardless of how closely together you app.

[TilltedBrim]

Thank you for responding... However I was a little confused with your answer.  I believe at first you said that they don't do an inquiry for a new membership and then you said they sometimes do.  Could you please elaborate?  Thank you

[Anonymous]

Hp for membership.