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Applying to NFCU through deceased family member?

Established Member

Applying to NFCU through deceased family member?

I am eligible to join NFCU through my grandfather who served in the Navy for 9 years. Unfortunately he passed away last year so I cannot have him join and I don't believe he was ever a member.

I submitted a membership application over the phone earlier today, but I am wondering about the chances of them coming back and asking for additional documentation. I had several pieces of imformation about him ready to provide, but she didn't even ask his name.

I am only concerned because I am not certain I will be able to obtain his DD214. My father (his son) passed away a few years ago and my aunt (his daughter) and I are not on speaking terms.

However, my maiden name is the same as his last name and I am listed in his obituary and I have other things I can provide.

Thoughts on my chances?

March 2018: EX 677 -> 696 -> 691/ TU 694 -> 703 -> 712/ EQ 650 -> 684 -> 691

GROW LITTLE SCORES, GROW!
Message 1 of 37
36 REPLIES
Established Contributor

Re: Applying to NFCU through deceased family member?


@bobbigirl83wrote:
I am eligible to join NFCU through my grandfather who served in the Navy for 9 years. Unfortunately he passed away last year so I cannot have him join and I don't believe he was ever a member.

I submitted a membership application over the phone earlier today, but I am wondering about the chances of them coming back and asking for additional documentation. I had several pieces of imformation about him ready to provide, but she didn't even ask his name.

I am only concerned because I am not certain I will be able to obtain his DD214. My father (his son) passed away a few years ago and my aunt (his daughter) and I are not on speaking terms.

However, my maiden name is the same as his last name and I am listed in his obituary and I have other things I can provide.

Thoughts on my chances?

I had no problem joining at the end of December. My grandfather passed away in Feb 2017. I joined and they didn't ask any info. I don't have any of his military info readily available. I've since added a CLOC, cashRewards card and yesterday just got approved for an auto-refi.

 

Good luck! 

 

Robot Very Happy


Message 2 of 37
Established Member

Re: Applying to NFCU through deceased family member?

Is it a good sign that I was able to log in to online banking or is that automatically set up even before approval?

March 2018: EX 677 -> 696 -> 691/ TU 694 -> 703 -> 712/ EQ 650 -> 684 -> 691

GROW LITTLE SCORES, GROW!
Message 3 of 37
Frequent Contributor

Re: Applying to NFCU through deceased family member?

I was curious about this as well. My grandfather served in the Navy in WWI and my father in the Navy reserves in the 50's. Both deceased and my father's second wife has recently downsized and moved into a small place and didn't keep any of his stuff.

I have two branches of NFCU in my area and have been thinking of switching credit unions as mine isn't what it use to be when I joined 20years ago. So I was wondering what sort of paperwork I'd have to try requesting from the government to join. So do I really not need anything?
9/2017 FICO8: EQ:585, TU:549, EX:580 | No opened accounts | 1 unpaid CO, 1 paid CO + related Col | several lates 2.5+ yrs ago
Current FICO8: EQ:703, TU:671, EX:671 | CC Util 2% | 2 paid CO + 1 related Col (deleted on EQ) | 3x 30 day lates 3-6yrs ago
AAoA: 10 to 11 years; Opened Acc Only: 8 months
Credit Length: 20 years
INQ (Eq/Tu/Ex): 2 / 4 (4 for auto) / 6 (5 for auto)
In 5 months, all serious derogatories fall off.
Message 4 of 37
Valued Member

Re: Applying to NFCU through deceased family member?

I'm a Veteran. I joined with a share account online two weeks ago. Aplied for and received their cash rewards card a few days later. I went in to my local branch yesterday and opened a checking account and a CD. No one ever asked for any proof of my Vet status. 

Message 5 of 37
Regular Contributor

Re: Applying to NFCU through deceased family member?

I just applied and the rep said that documentation might be needed. She didn’t ask for my grandfathers name or anything. She also checked to see if I was eligible since I work for the VA. (I’m not, cause the VA and DoD aren’t the same)

She mentioned that they might need those documents in regards to an audit that they get by the government.. so they might need them, just not now.


A noble spirit embiggens the smallest man.
Message 6 of 37
Valued Contributor

Re: Applying to NFCU through deceased family member?

My maternal grandfather (1930's until 1960 - he was a "China Marine" and served in World War II), and adoptive father (Marine aviator in the early 1960's, F-8 Crusader pilot), now both deceased, served in the Marine Corps. My stepfather is a retired Army major. Would that be sufficient for me to apply to NFCU?

Ch 7 BK discharged 12/14, well along in rebuilding credit. FICO 5/1/18:TU 664/EX 697/EQ 695 FICO 8 or 682 FICO 9 (Penfed 5/18), VS 3.0 5/30/18: TU 711/EX 709/EQ 705. $71,800 revolving credit as of 3/23/18; $4000 Walmart Store Card, $4500 Discover It, $5000 Discover It #2 (new 3/12), $6000 Cap One Quicksilver MC, $6000 Amazon Prime Store Card, $7000 Apple FCU Platinum Visa, $7000 Penfed Power Cash Rewards Visa, $7300 Overstock Store Card, $10K Cap One QS Rewards Visa Signature, $15K Care Credit, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Resetting the garden clock from 3/12/18...
Message 7 of 37
Regular Contributor

Re: Applying to NFCU through deceased family member?

If they served, you’re eligible. NFCU says even adoptive children are eligible. It’s on their website.


A noble spirit embiggens the smallest man.
Message 8 of 37
Established Member

Re: Applying to NFCU through deceased family member?

Well? How did it go? You in?

 

If it is that easy, I'm callin' them tomorrow to join with just my grandfather's name!

FICO 8: EQ 711 ⎥TU 716 ⎥EX 720 (May 2018)
Aug 2017: Open Sky (Capital Bank) Secured Card $500 (My first CC in 20 years.)
Dec. 2017: Cap One Platinum $300
Mar. 2018: NFCU Cash Rewards $1700
May 2018: Cap One QS $1300
Message 9 of 37
Regular Contributor

Re: Applying to NFCU through deceased family member?


@-KC-wrote:

Well? How did it go? You in?

 

If it is that easy, I'm callin' them tomorrow to join with just my grandfather's name!


-looks around- me?

 

I applied and got in over the phone. I also applied for their cash rewards and was approved! They’re apparently better for rebuilders than Penfed (which I found out through several denials/recons with Penfed.. and two HP 🙄) so far only 1 HP from TU with NFCU but I’ll see tomorrow if they report another HP (as I heard they don’t piggy back like Penfed). 



A noble spirit embiggens the smallest man.
Message 10 of 37