Credit Human Credit Union

AndySoCal · ‎12-30-2024

Does anyone have any experience with them? I can join them thru American Consumer Council. To answer the question what makes this credit union special is there CD rates are higher than most if you go out for a term longer than a year to three years. Doctor of credit had two users report denied with 8 inquiries in the last 12 months and another with 50 in the last 12 months. I have 3 in the last 12 months and 7 total in the last 2 years. Any other information any might be able to would appreciated. Yes I am aware of Signature FCU.

FICO Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 808 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 30,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banks and Credit Unions: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU Veridian Credit Union Utah Community Credit Union
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank BMO Langley FCU Paypal Barclays

GZG · ‎12-30-2024

@AndySoCal wrote:
Does anyone have any experience with them? I can join them thru American Consumer Council. To answer the question what makes this credit union special is there CD rates are higher than most if you go out for a term longer than a year to three years. Doctor of credit had two users report denied with 8 inquiries in the last 12 months and another with 50 in the last 12 months. I have 3 in the last 12 months and 7 total in the last 2 years. Any other information any might be able to would appreciated. Yes I am aware of Signature FCU.

I did a $200? or $300 checking bonus with them awhile back me being LOL/24 wasn't an issue then, was approved and was able to get the bonus

Starting FICO 8:

Current FICO 8:

ptatohed · ‎12-30-2024

Thanks for answering the 'special' question ASC!

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

ptatohed · ‎12-30-2024

Those actually are pretty good rates for long term. Good find.

I'm not even sure I have seen 10 year CDs before!

https://www.credithuman.com/investments-planning/certificates-iras/share-certificate#rates

ASC, what term are you looking at?

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

AndySoCal · ‎12-30-2024

@ptatohed I was looking at 18 months to 3 years something in that range.

FICO Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 808 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 30,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banks and Credit Unions: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU Veridian Credit Union Utah Community Credit Union
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank BMO Langley FCU Paypal Barclays

ptatohed · ‎12-30-2024

@AndySoCal wrote:
@ptatohed I was looking at 18 months to 3 years something in that range.

Andy, ok, but do look around, there might still be better than Human. Human seems to beat, say, popular direct in most of the month ranges you listed. Although a quick look at popular direct shows 4.25% for 36 months vs Human's 4.11%. So, Human looks to be very competitive, but do search around before you commit. Good luck!

https://www.populardirect.com/terms/cd-disclosure.pdf

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

AndySoCal · ‎12-31-2024

@ptatohed Thank you for the information on Popular Direct that is another good option. Are you a customer of Popular Direct?

I have expanded my search a little bit US Treasury 2 to 3 year notes is 4.23 to 4.26 as of now. I am also considering buying individual short term investment grade corporate bonds 2 to 3 years till they mature. There are trade offs one no FDIC insurance versus better rates ie 4.5 to 4.7 percent. Still have time to think and research the funds from the matured CD won't be available til January 7th.

FICO Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 808 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 30,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banks and Credit Unions: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU Veridian Credit Union Utah Community Credit Union
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank BMO Langley FCU Paypal Barclays

ptatohed · ‎12-31-2024

@AndySoCal wrote:
@ptatohed Thank you for the information on Popular Direct that is another good option. Are you a customer of Popular Direct?

I have expanded my search a little bit US Treasury 2 to 3 year notes is 4.23 to 4.26 as of now. I am also considering buying individual short term investment grade corporate bonds 2 to 3 years till they mature. There are trade offs one no FDIC insurance versus better rates ie 4.5 to 4.7 percent. Still have time to think and research the funds from the matured CD won't be available til January 7th.

ASC, I am a customer of popular direct. I have only been using them for the HYSA, I have not bought their CDs yet. I have quite a few Sallie Mae CDs (some as high as 5.4%) maturing soon, so I'll need to think what to do. Do consider T-Bills - they are pretty competitive with CDs and you won't get taxed by the state.

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)