NFCU tends to let people back in after accounts that are deliquent are paid in full. It might be a few months before you can get any credit products though. I would call them first, before driving three hours away.
When I previously owed NFCU, I called them and was able to pay in full what I owed over the phone. The account had been delinquent for nine years. They immediately unfroze my access and I was able to sign in again and create a new password. I opened a new checking and savings account and my "member since" date was backdated to include the nine years reflecting my original joining date. I opened a nRewards card with them six months later. I haven't tried for any unsecured credit cards to date but I do have their OOPS coverage on my checking account. I would call them, I'm sure everything can be handled via phone.
You can most definitely get back in.... I would call and see what you need to do. 1) Make good on any balances owed. 2) You'll have to do a security appeal to finish the process and re-gain online access. Not sure if you read my story, but I'm back in with a new auto loan I got approved for last week . ... Link will open in a new window
