@Anonymous wrote:
@Kforce wrote:All CU's have strong and weak features and rates.
I have a few CU's and have had others I closed.
One has exceptional vehicle loans but worthless credit cards and online banking.
Another a convenient brick&mortar location for taking in cash, change, or using the free notary service.
Still another has exceptional Bill-Pay and online features, but poor credit cards and loans.
Another good savings and CD's but everything else less than ideal.
None that I have had, have it all.
I love a couple of my CU's, and feel most give you higher service and better rates than major banks.
List what is most to least important for you, and do some home work.
Check both the local CU's and larger ones.
If you are willing to share a little info, members will flood you with recommendations.
List the top 2-3 important features, your location, and profession.
Most CU's are employment, location, school, or work restricted.
With out knowing what is important to you, you are getting results of what is important to the poster.
I might recommend a sports car while you need a family suv.
I have looked into most of the credit union around me, and I will join one of them if a better one isn't mentioned by someone on here. I have been with wells fargo for a 10 years and so I don't want a down grade, it needs to be the same level if not better. I want a credit union that I can do a mortgage from, however I don't want to get one from a credit union unless they are good in these other aspects listed below.
1) Amazing online banking, specifically bill pay is very important to me and direct deposit as well.
2) A nice savings account
3) customer service needs to be good, I don't need to be able to go in to a bank, but they need great customer service over the phone.
4) Credit cards and/or loans, this is nice but without the other three it doesn't matter if these are good.
I still don't think there is a credit union for my profession, there might be from a simple search but I can't tell for sure. I work at CenturyLink, and I live in Idaho.
Since you're lucky enough to live in Idaho, you should check to see if you're in one of the Idaho counties that would make you eligible for BECU. That is one of the best credit unions in the country.
@Kforce wrote:If you are willing to share a little info, members will flood you with recommendations.
Shows how wrong I can be. 
I guess Idaho is not full of exceptional CU's.
On the good side, it is a beautiful state, at least when I was last there.
Might need to look at the large open CU's.
@Kforce wrote:
@Kforce wrote:If you are willing to share a little info, members will flood you with recommendations.
Shows how wrong I can be.
I guess Idaho is not full of exceptional CU's. That seems accurate from my search for credit unions around here
On the good side, it is a beautiful state, at least when I was last there. It is still very nice as well, if you like mountains and wild life, which I do.
Might need to look at the large open CU's.
Just a note re PenFed, they have very limited brick and mortar branches. I found them to be abysmal with day to day services, but like everything else, YEMV.
Starting Score: 784
@Anonymous wrote:I just checked and don't live in the correct county to join them.
I would call and check. It's that good a credit union that it's worth a few minutes to make sure.
Even if you're not eligible by Idaho county they might think of another path to membership.
@Anonymous wrote:
@Kforce wrote:All CU's have strong and weak features and rates.
I have a few CU's and have had others I closed.
One has exceptional vehicle loans but worthless credit cards and online banking.
Another a convenient brick&mortar location for taking in cash, change, or using the free notary service.
Still another has exceptional Bill-Pay and online features, but poor credit cards and loans.
Another good savings and CD's but everything else less than ideal.
None that I have had, have it all.
I love a couple of my CU's, and feel most give you higher service and better rates than major banks.
List what is most to least important for you, and do some home work.
Check both the local CU's and larger ones.
If you are willing to share a little info, members will flood you with recommendations.
List the top 2-3 important features, your location, and profession.
Most CU's are employment, location, school, or work restricted.
With out knowing what is important to you, you are getting results of what is important to the poster.
I might recommend a sports car while you need a family suv.
I have looked into most of the credit union around me, and I will join one of them if a better one isn't mentioned by someone on here. I have been with wells fargo for a 10 years and so I don't want a down grade, it needs to be the same level if not better. I want a credit union that I can do a mortgage from, however I don't want to get one from a credit union unless they are good in these other aspects listed below.
1) Amazing online banking, specifically bill pay is very important to me and direct deposit as well.
2) A nice savings account
3) customer service needs to be good, I don't need to be able to go in to a bank, but they need great customer service over the phone.
4) Credit cards and/or loans, this is nice but without the other three it doesn't matter if these are good.
I still don't think there is a credit union for my profession, there might be from a simple search but I can't tell for sure. I work at CenturyLink, and I live in Idaho.
Looks like you would be eligible for MACU through your employer.
They have Zelle.
I believe it is a hard pull on experian to join.
They give you your experian mortgage FICO score quarterly.
The credit cards are nothing special.
Savings rate isn't great either but there aren't many CUs out there that are.